Blog Articles

Discover our latest blogs and stay up to date with the latest market trends.

11 August 2026

The Buy to Let Properties That Need Specialist Finance

Some buy-to-let properties, including HMOs, MUFBs, holiday lets, mixed-use buildings and homes requiring refurbishment, can fall outside standard mortgage criteria and need a more specialist approach. Understanding the property, rental model, ownership structure and lender requirements early can help investors explore suitable finance options before committing to a purchase.

BTL mortgages

buy-to-let

Property Investment

27 July 2026

5 Mortgage Mistakes Property Buyers Make (And How to Avoid Them)

Buying a property without checking your budget, credit profile or total mortgage costs can lead to delays, rejected applications and unnecessary financial pressure. Preparing early, avoiding major financial changes and comparing options beyond your existing bank can help you make more informed mortgage decisions.

mortgage mistakes

first time buyers

residential mortgage

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22 July 2026

Buying a Non-Standard Construction Property: What You Need to Know

Non-standard construction properties, including timber-framed homes, concrete houses and listed buildings, can still be mortgageable, although lenders may assess them using different criteria. Checking the construction type, survey, insurance and mortgage options before committing can help buyers avoid delays and find a suitable lender.

non-standard construction

unusual properties

specialist residential mortgages

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20 July 2026

Five Mortgage Myths That Could Stop You Buying a Home

Many buyers wrongly assume that a small deposit, poor credit or self-employed income automatically rules them out of getting a mortgage. Different lenders assess applications in different ways, so speaking to a mortgage adviser early can help buyers understand their options and avoid unnecessary applications.

mortgage myths

residential mortgage

self-employed mortgages

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13 July 2026

What Today’s Property Trends Mean for First-Time Buyers and Home Movers

More stable mortgage rates and slower house price growth in some areas are creating both challenges and opportunities for first-time buyers and home movers. Careful budgeting, understanding lender criteria and reviewing mortgage options early can help buyers make more informed decisions in today’s market.

first time buyers

uk property market

home mover mortgages

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03 July 2026

Can I Get a Mortgage with a CCJ? The Honest Answer

A CCJ can make getting a mortgage more difficult, but it does not automatically rule you out, especially with specialist lenders who assess your wider circumstances. Lenders will usually look at the age and size of the CCJ, whether it has been satisfied, your deposit, income, affordability and recent credit behaviour.

specialist residential

adverse credit

ccj mortgage

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29 June 2026

Can You Get a Self-Employed Mortgage with 1 Year of Accounts?

Self-employed applicants may still be able to get a mortgage with just one year of accounts, depending on their income, business performance, deposit, credit history and overall circumstances. Lenders may assess sole traders, company directors, contractors and freelancers differently, so having clear financial records and the right supporting documents can improve the chances of approval.

specialist mortgages

self-employed mortgages

1 year accounts

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08 June 2026

Using a Bridging Loan to Break a Property Chain

A bridging loan can provide short-term funding to help buyers complete a property purchase when delays in the chain, a pending sale, or slow-moving finance would otherwise put the transaction at risk. It can be useful when timing is critical, but borrowers should consider the exit strategy, costs, timescales and lender requirements before applying.

bridging finance

property chain

home moving finance

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01 June 2026

How to Finance a Property Renovation

Renovating a property can improve living space, add value or support future rental plans, but the right finance depends on the project, property condition and timescale. Options such as a standard mortgage, bridging loan or development finance may be considered depending on the work involved and the longer-term plan.

bridging finance

property renovation

renovation finance