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Blog
Our blog page offers an insight into the current mortgage market


Preparing for the 2025 Autumn Budget
Preparing for the 2025 Autumn Budget. The Autumn Budget is always a key moment for homeowners, investors and savers. This year’s announcement on 26th November is expected to be no different. The Chancellor will set out the government’s plans for tax, borrowing and spending for the year ahead. Last year, Rachel Reeves delivered her first budget, which included a record £40 billion in tax rises. At the time, she made clear there is no intention to repeat such measures in 2025,
James Smith
Nov 13


How Spending Choices Affect Your Mortgage Options
When it comes to managing your finances, your credit score plays a key role especially if you’re thinking about remortgaging. Many homeowners don’t realise that everyday spending and borrowing decisions can influence the way lenders view your financial health. What is a Credit Score? Your credit score is a record of your borrowing and repayment history, including credit cards, loans, and other finance agreements. Lenders use this information to assess your reliability when co
James Smith
Oct 24


Loan to Income vs Loan to Value: What’s the Difference?
If you’re starting your journey towards buying a home or remortgaging, you’ve likely come across terms like Loan to Income (LTI) and Loan to Value (LTV). While they may sound similar, they measure very different things and both are crucial in deciding how much you can borrow and what kind of mortgage you’ll be offered.
James Smith
Sep 12


Flexibility When Selling Your Home
If you’re thinking about selling, you’re probably wondering how long it will take for your property to sell. On average, homes in England spend around 36 days on the market before a sale is agreed.
James Smith
Jun 16
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