Zero deposit mortgages in the UK: What are your options?
If you’ve been dreaming of buying a home in the UK but don’t have a hefty deposit saved up, you may have heard the term ‘zero deposit mortgage’ or ‘100% mortgage.’ This type of mortgage allows you to borrow the entire cost of a property without a deposit, making it a tempting option for many […]
What Is a SIPP and how does it work? A simple guide to Self-Invested Personal Pensions
A Self-Invested Personal Pensions (SIPP) can sound intimidating at first, but understanding how a SIPP works can make retirement planning simpler. SIPPs are tax-efficient, flexible, and an essential tool for saving for retirement, especially for the self-employed or anyone looking for more control over their investments. If you’re employed or have been in the last […]
How to improve credit score and make it work for you
Credit score: Stop making credit a cruel master and turn it into a fantastic servant When people hear “credit”, it often conjures up scary thoughts of spiraling debt and sky-high interest rates. But credit doesn’t have to be a cruel master – it can be a fantastic servant, helping you build your financial reputation and […]
Five reasons women are better at long-term investing
When it comes to investing, women often have the edge over men. Surprised? Don’t be. Research consistently shows that women outperform their male counterparts in long-term investing. Let’s break down why—and what everyone can learn from their smart money moves. 1. Women trade less (and that’s a winning strategy) Excessive trading is like doomscrolling—you […]
What is a Cash ISA and why should you have one?
What Is a Cash ISA and Why Should You Have One? A Cash ISA is a savings account where any interest earned is completely tax-free. Unlike a standard savings account, where interest over £1,000 (for basic-rate taxpayers) or £500 (for higher-rate taxpayers) is taxed, a Cash ISA protects your earnings. Why bother with a Cash […]
What Is Loan-to-Value (LTV) and how does it impact your mortgage options?
When exploring mortgage options, you’ll often come across the term Loan-to-Value (LTV). But what does LTV mean? And more importantly, how does it impact your mortgage rates, eligibility and overall costs? In this guide, I’m going to break down the Loan-to-Value ratio, its effect on your mortgage application, and how to achieve the best deal […]
What mortgage can I get on my salary?
Understanding what mortgage you can afford is about more than just your salary. Mortgage lenders need to see an overall affordability picture, and you’ll need to factor in several financial considerations. In this guide, we’ll break it down into three key categories to help you make an informed decision. A common rule of thumb is […]
Best mortgage deals for self-employed applicants: Top tips and lenders
Applying for a mortgage as a self-employed individual can feel overwhelming, but it’s far from impossible. More lenders are open to self-employed applicants, making it easier to secure a mortgage deal. In this guide, we’ll walk you through the process, from choosing lenders to handling paperwork so you can secure the best mortgage deal as […]
Single homebuyer’s guide to applying for a mortgage
Applying for a mortgage as a single homebuyer can feel a bit daunting. It’s a big commitment, but it’s also an exciting step toward owning a space that’s all yours. If you’re feeling overwhelmed by terms like “LTV” (Loan-to-Value) or you’re unsure whether a fixed or variable rate is right for you, don’t worry – […]
Conveyancing for Single Homebuyers: Choosing the right solicitor
Guide to Conveyancing for Single Homebuyers: How to choose the right solicitor for your property purchase Buying a property as a single homebuyer can be daunting, especially with confusing terms like “conveyancing”. If you’ve ever Googled “how to find a solicitor for a property” or “what does a conveyancer do?” you’re not alone. Conveyancing sounds […]