Tips, insights, suggestions, and recommendations written by mortgage and protection experts to help you.
If recent events have taught us anything it is that jobs, income, and cashflow aren’t always as straight forward and secure as we might think. Sometimes, no amount of planning can prepare you for unexpected events and now more than ever, it is difficult to know how to make sure that you are financially secure when the economy is so uncertain.
Can you get a mortgage if you’ve recently changed jobs or are still in probation? Learn how lenders assess new employment and what it could mean for your mortgage options.
Should you rent or buy a house in the UK? Learn the pros and cons of renting vs buying, mortgage affordability, and when home ownership may make financial sense.
High Earner Mortgages UK: What Are Your Options? If you’re a high earner, you may assume getting a mortgage is straightforward, but that isn’t always the case. Even for high-income applicants, lenders don’t always assess income in a way that reflects true...
Mortgage affordability checks are assessments used by lenders to decide how much you can borrow and whether you can afford the monthly repayments.
Can you get a mortgage with debt in the UK? Learn how loans, credit cards, and finance affect affordability and borrowing.
Self-Employed Mortgage (1 Year Accounts UK): What Are Your Options? If you’re self-employed and only have one year of accounts, you may be wondering: “Can I get a mortgage with 1 year accounts?” The good news is, yes, it is possible. There are lenders in the UK who...
London property prices continue to outpace salaries, but how much do you actually need to earn to buy in London? In this 2026 report, we break down average salaries, mortgage borrowing power, and the real affordability gap facing buyers across the capital.
Changing jobs before applying for a mortgage in the UK? Learn how it affects approval, probation periods, and borrowing in this 2026 guide.
If you earn £1 million a year, your mortgage options go far beyond standard high street lending. At this level, you’re likely to be considered a high net worth (HNW) or ultra high net worth (UHNW) client, meaning lenders can offer bespoke mortgage solutions tailored...
In most cases, you’ll need a household income of around £400,000–£500,000 to secure a £2 million mortgage in the UK, depending on your deposit size, income structure, and lender affordability rules. Below, we break down realistic salary scenarios, lender calculations,...
Mortgage declined in the UK? Learn the most common reasons lenders reject applications and what you can do to improve your chances.
If you earn £500,000 a year, you have access to some of the most flexible and powerful mortgage options in the UK, but that doesn’t mean every lender will offer you the best deal. In fact, high earners often require specialist lenders or private banks to unlock the...
Mortgage rates rising in the UK? Learn what to do if your fixed rate is ending and how to manage higher payments with the right strategy.
In most cases, you’ll need a household income of around £200,000–£250,000+ to secure a £1 million mortgage in the UK, depending on your deposit size, income structure, and lender affordability rules. Below, we break down realistic salary scenarios, lender...
If you have any questions about UK mortgage news or or anything you’ve read then please get in touch. We’d love to hear from you.