Tips, insights, suggestions, and recommendations written by mortgage and protection experts to help you.
What happens if your mortgage lender values a property below your offer? Learn how a mortgage down valuation can affect your LTV, deposit and borrowing, and the options available to keep your purchase on track.
Do you need income protection insurance? Discover how income protection works in the UK, what it covers, how much it costs and how to decide how much cover you may need.
A joint borrower sole proprietor mortgage can allow another person’s income to support your mortgage without them necessarily owning the property. Find out how JBSP mortgages work, which lenders offer them, the stamp duty implications and what supporting borrowers need to know.
Buying a flat with a short lease? Discover how remaining lease length affects mortgage eligibility, lender criteria, property valuations and your options.
Already received your mortgage offer but found a better rate? We explain whether you can change mortgage product or lender before completion and when switching could be worthwhile.
You don’t legally need a Mortgage in Principle to make an offer on a house, but having one can strengthen your position as a buyer. Here’s when to get an AIP, what it proves and what happens after your offer is accepted.
If you’ve been diagnosed with cancer or are a cancer survivor, you may still be able to get life insurance. Learn how UK insurers assess applications, what affects your eligibility and how to improve your chances of finding suitable cover.
What is contents insurance? Find out what home contents insurance covers, how much protection you may need and why it matters when buying a property or arranging a mortgage.
A bigger deposit can help you access lower mortgage rates, but more isn’t always better. Learn how LTV bands affect mortgage pricing and when increasing your deposit could make a difference.
Can you get a mortgage on a flat above a shop? Find out what lenders consider, including the business below, your deposit, access, lease, mortgage valuation and future resaleability.
Do you need life insurance for a mortgage in the UK? Discover whether it’s compulsory, if you can get a mortgage without it, and which type of life insurance could help protect your home and family.
Confused by life assurance vs life insurance? Discover the key differences, how each type of cover works, and which option could be right for your family, mortgage and long-term financial plans.
Do you need life insurance if you’re single? We explain when single people may need life cover, when they may not, and the other protection options worth considering.
Found your next home before selling your current property? Find out how buying before selling can work, including mortgages, equity, deposits, porting and Stamp Duty.
Can you get income protection if you’re self-employed? Learn how self-employed income protection insurance works, what it covers, and how to protect your income if you’re unable to work.
