WHAT CAN WE HELP WITH?
THE BASICS
Mortgage Basics covers the key information every buyer or homeowner needs, from interest rates and affordability checks to choosing between fixed and variable deals. Whether you’re a first-time buyer or reviewing your options in 2026, this section helps you understand how mortgages work and make informed decisions.
REMORTGAGE
Remortgaging can reduce your rate, release equity, or change your mortgage terms. Lender criteria, timing, and fees all matter. This section explains when remortgaging makes sense and what lenders consider when you apply.
ADVERSE CREDIT
Adverse credit doesn’t automatically prevent you from getting a mortgage. Some lenders will consider missed payments, defaults, CCJs, or past insolvency depending on the details. This section explains your options, how lenders assess risk, and how credit issues can affect rates and affordability.
BUYER TYPE
Mortgage rules vary depending on whether you’re a first-time buyer, home mover, or buying through a scheme. This section explains how lender criteria differs by buyer type and what support may be available.
INCOME TYPE
Lenders assess income differently depending on whether you’re employed, self-employed, a contractor, or earning bonuses or commission. This section explains how various income types are treated, what evidence is needed, and which lenders are more flexible.
BUY TO LET
Buy to let mortgages are assessed differently from residential mortgages, with a focus on rental income, yield, and deposit size. This section explains how buy to let lending works and what lenders look for.
DEPOSIT
Your deposit size directly affects the mortgages available and the interest rates offered. Higher deposits usually mean better rates, but options still exist with smaller deposits. This section explains loan-to-value bands and how deposit percentage impacts borrowing.
PROPERTY TYPES
Some property types are easier to mortgage than others. Flats, new builds, ex-local authority homes, and mixed-use properties can affect lender choice. This section explains how property type impacts mortgage availability.
INTEREST RATES
Mortgage interest rates vary based on product type, personal circumstances, and market conditions. Fixed, variable, tracker, and discount rates all work differently. This section helps you understand how rates are set and how to choose the right option.
CONSTRUCTION
Construction type plays a key role in mortgage approval. Standard brick and tile properties are widely accepted, while non-standard construction may need specialist lenders. This section explains your options and potential challenges.
