Our experts cut through the noise to tell you what you need to know

With over 40 years of experience behind us and some of the industry's most quoted experts in our ranks, there's not much we don't know about mortgages.

However, we know our industry is awash with jargon, so our experts aim to keep it simple. Through this blog, social media and our monthly newsletter, experienced mortgage advisers explain the nuances of the mortgage market, how economic factors influence the availability of mortgages and get to the meaning behind regulatory changes. 


11/08/2017 by Paul Elliot

With phase 2 of the Prudential Regulation Authorities’ (PRA) buy to let recommendations fast approaching, lenders have at last started to share their proposed approach to underwriting portfolio landlords.


10/08/2017 by Nicholas Morrey

How bad is the interest only ‘time bomb’ and what should you do if your home is one of the estimated one in ten interest only mortgages with no plan in place to pay off the balance?


21/06/2017 by Nick Morrey

With average rates heading towards the end of their downward spiral and the overall number of products edging ever upwards, longer term fixed rates have never been so attractive.


13/06/2017 by Paul Elliot

In September 2017, the Prudential Regulatory Authority (PRA) has confirmed it will bring in tougher underwriting standards for buy-to-let lenders dealing with applications from landlords with four or more mortgaged properties.


12/06/2017 by Henry Pryor

Buying agent and market commentator Henry Pryor gives his perspective on what its like to be a home buyer in the current UK housing market.


09/06/2017 by Ray Boulger

The uncertainty created by the election result will be unhelpful for both sterling and the economy in general, but it is more difficult to know what effect it will have on interest rates. Although the current 0.25% Bank Rate is close to the floor, and gilt yields are near all-time lows, if businesses reduce investment The Bank of England might consider it necessary to provide more stimulus.


09/05/2017 by Alistair Hargreaves

The latest figures from Legal & General have shown that the aforementioned 'bank' would actually now equal the ninth largest mortgage lender, up from tenth position in 2016. L&G estimate that funds from mum and dad will be assisting 26 per cent of all property transactions this year, at a value of over £6.5billion and parents will provide deposits for their offspring on around 298,000 mortgages.


05/05/2017 by Richard

“An Englishman’s home is his castle.” So the old saying goes, but why do we place such value on owning our own home? Just what drives us as a nation of homeowners? Recent figures from the English Housing survey revealed that in 2015-16, 59% of private renters (around 2.6 million households) and 27% of social renters (1.0 million households) stated that they expected to buy a property at some point in the future.


28/04/2017 by Simon Walklin-Knight

The mortgage market for those who are self-employed or a contractor has grown to the point where last year 120,000 new loans were taken out by those who are self-employed – an increase of 11% on 2015. In the same period loans for those who are employed grew by just 6%.


25/04/2017 by Richard

If you're planning on emigrating, there's one big burning question to deal with: 'Do we go the whole hog, sell up and plough everything into our new life in a new country or do we hedge our bets a bit and hang onto our home here?'


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