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Guides

No matter your experience, our comprehensive mortgage guides
are designed to support you on your mortgage journey.

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Branch Credit Cards | A hand holding 4 credit cards
Credit Scores for Mortgages

How to Improve Your Credit Score

Author: Phil Scott

Date posted: 20 May 2024

A low or bad credit score – whether caused by adverse credit events on your records, or no credit history to speak of – might not be the be-all and end-all when it comes to getting a mortgage application accepted. But it can make the process more challenging. It can also limit some of your […]
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Gifted Deposits | A person holding a pink piggy bank in their palm, adding coins into the bank
Mortgage Deposits

Gifted Deposits

Author: Phil Scott

Date posted: 2 November 2023

What is a gifted deposit? A gifted deposit is a cash gift given with the intention of being used for a mortgage deposit. They are commonly gifted by close relatives, but theoretically they can be given by anyone. This is a great way to increase your borrowing options as your deposit size is increased. For example, […]
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Packing Boxes on a wooden bench with scissors and cellotape.
Moving Home

The Ultimate Moving Home Checklist

Author: Phil Scott

Date posted: 31 May 2024

Moving costs mount up in the weeks either side of completion. Our guide on how to grow an emergency fund covers building a buffer before you move.
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Branch Credit Cards | A hand holding 4 credit cards
Credit Scores for Mortgages

How to Improve Your Credit Score

Author: Phil Scott

Date posted: 20 May 2024

A low or bad credit score – whether caused by adverse credit events on your records, or no credit history to speak of – might not be the be-all and end-all when it comes to getting a mortgage application accepted. But it can make the process more challenging. It can also limit some of your […]
Read article
Gifted Deposits | A person holding a pink piggy bank in their palm, adding coins into the bank
Mortgage Deposits

Gifted Deposits

Author: Phil Scott

Date posted: 2 November 2023

What is a gifted deposit? A gifted deposit is a cash gift given with the intention of being used for a mortgage deposit. They are commonly gifted by close relatives, but theoretically they can be given by anyone. This is a great way to increase your borrowing options as your deposit size is increased. For example, […]
Read article
Don't wait to downsize | Graphic of houses getting smaller and a green downwards arrow
Equity Release

Don’t Wait To Downsize Your Home When There Could Be Significant Advantages

Author: Phil Scott

Date posted: 10 January 2023

There is a growing trend for the over-55’s to explore the potential and advantages of downsizing to a smaller home. Faced with the rising cost of living, people want to secure their finances as they approach retirement. Rather than delaying long-term planning for your future, here are some benefits to downsizing for you to consider. […]
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Bad Credit Mortgages Hero Image | Couple holding hands on a sunny day
Credit Scores for Mortgages

A guide to Checkmyfile – the multi-agency credit report

Author: Phil Scott

Date posted: 9 January 2023

There are an increasing number of agencies that enable you to check your credit score. However, each agency displays your score in a different format. Some agencies require subscriptions, while others are fee-free, so it can be difficult to know which agency to use. The Check-my-file credit report is one of the most popular in the […]
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Getting out of a fixed rate early | Woman sitting on her sofa with a laptop
Mortgage Rates

How To Get Out Of A Fixed Rate Mortgage Early

Author: Phil Scott

Date posted: 9 January 2023

Many fixed-rate mortgages impose a prepayment penalty when the loan is paid off early. As a result, we’ve compiled a some information to assist you if you’re considering getting out of a fixed rate mortgage early. There are a number of reasons why we encounter customers considering doing so when speaking with them. Why you […]
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