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We are thrilled, delighted and over the moon, to be honest, there are too many ways to express our excitement right now!  The reason for our excitement? We've been named as one of the UK's top mortgage employers for 2022 by Mortgage Introducer. The Top Mortgage Employers 2022 Award is a coveted prize for any organisation in our industry, ...

Our Senior Mortgage Adviser Tom Graham has put together some top tips to help you understand the process behind a lender's decision on what you can or can't afford to borrow when buying a house or remortgaging your home. Lots of clients ask the same questions: How much can I borrow? How much can I have to buy a house? ...

As a nation, we aren't great with our financial acronyms and terminology. Life is busy and our heads are often full of important things to get done to make it through the week, without having to worry about whether we know our LTV from our ERC! You're certainly not alone if you're feeling financially flustered. Recent research has found that more t...

Looking for a mortgage broker but don't know where to start? Want to buy a house at auction but you don't know if you can get a mortgage? Or maybe you just want to know how to boost your credit score.  Here you will find 31 answers to some of the most asked questions about mortgages and the mortgage process.  Can I get a mo...

95% mortgages are back. But can YOU get one? How easy is it to get your hands on one? Who's entitled to them? What are the restrictions? Our Practice Principal Bobby Sherlock explains what a 95% mortgage is: Put simply, a 95% mortgage allows you to borrow 95% of what the house you're buying is worth. It means that you only need a 5% deposit to be a...

"We've all got a terminal disease, it's called life" Benedict Groeschel Death, as morbid as it may seem is guaranteed for all of us. The reality of it is, we don't know when our time is up, and before I had children, I didn't really think about it too much. But, more recently I have. Like many at home during lockdown I started sorting out drawers a...

Moving home is known to be one of life's most stressful events. In fact, a survey earlier this year, found the process can cause us more stress than other major life events such as having a baby, getting married, starting a new job or getting divorced. Sorting out your financesThe biggest cause of worry for many is arranging finance for the move. F...

Losing your partner at any stage in life can be devastating, but it may be particularly devastating when children are involved because of the financial pressures of raising a family. Ensuring your children and other dependants are provided for in case you die should be a top priority but less than a third of people in the UK have life insurance. Ke...

Back in March, the Bank of England slashed interest rates to an all-time low of 0.1%, in a bid to alleviate the severe economic pressure caused by coronavirus. As the base rate cut fed through to mortgage rates and with the continuing pressure of a closed mortgage market, lenders responded by withdrawing mortgage offers, increasing rates and pullin...

The world is changing rapidly in a way that nobody could ever have expected, meaning your personal and financial circumstances are likely to have changed. It is important to regularly review all aspects of your finances and that includes reviewing your protection insurance, to make sure your policy provides adequate cover for your changing needs. U...

Do you worry what would happen to your family if you or your partner were to suddenly lose your job, become seriously ill or even die? How would you pay your mortgage, day to day bills and manage financially during a period of emotional distress? Protecting those you love could be more affordable than you think A Family Protection insurance policy ...

Estimates suggest that well over one million borrowers have lapsed onto their lender's default standard variable rate (SVR). Has this happened to you? If so, now could be the perfect time to consider a remortgage, to get your finances in good shape for the year ahead. Do you know your mortgage rate?If your current tracker, fixed rate, or discount m...