Executive summary New build lending has moved fast in 2025 with several lenders having nudged up LTVs, loosened parts of affordability and new schemes being launch, especially for energy efficient homes. Challenges still remain though, with first time buyers still facing uneven pricing by region and tight affordability criteria. However, this mix creates real opportunity … Continue reading “New Build Mortgage 2025: A 5-Minute Q&A with TMB’s New Build Leader”
Author: Sam Kirtikar
Sam Kirtikar is CEO of The Mortgage Broker Group and a seasoned company director with a legal background and early career in debt advice. He writes straight talking guides on mortgages and protection, podcasts and blogs focused on outcomes that are suitable, sustainable and affordable. Sam’s work blends strategic insight with day-to-day lending know-how across first-time buyers, complex income, buy-to-let and protection planning, always with transparency, clarity and long term client interests at the core.
Personal Information: Company Director with extensive experience across financial advisory firms and a demonstrated history of customer service. With a legal background and first financial services role being within debt advice, Sam’s focus is always on the customer and ensuring that all support is suitable, sustainable, and affordable.
He combines strategic insight with hands-on expertise to design mortgage and protection solutions tailored to individual circumstances and suitable, sustainable and affordable outcomes. As CEO of The Mortgage Broker Group, Sam leads with a relentless focus on outcomes, transparency, customer service and long-term relationships; ensuring clients receive not just advice and guidance, but real answers from a business that puts people first and focuses on long term solutions.
Posts by Sam Kirtikar
Modern Method of Auction Mortgages Explained
Modern Method of Auction: Harrison Andrews Explains and Answers Quick Questions Summary: What is Modern Method of Auction: The Modern Method of Auction (MMoA) is a mostly online conditional auction. If you are the winning bidder on a property, you pay a non-refundable reservation fee to secure exclusivity of it and then typically have around 56 days … Continue reading “Modern Method of Auction Mortgages Explained”
Why Every Director Should Think About Director’s Life Insurance
Why Every Director Should Think About Director’s Life Insurance Quick Fire Questions with Matt Cotter, Business Protection Specialist. “When you’re running a business, you will often prioritise growth, cashflow and clients. Yet many directors forget about protecting their own families in a tax-efficient way. Directors’ Life Insurance: also known as a Relevant Life Policy, is … Continue reading “Why Every Director Should Think About Director’s Life Insurance”
Case Study: High-Net-Worth Couple Secures £1.05m Property with 85% LTV
Initial Enquiry A professional couple approached The Mortgage Broker looking to purchase their dream home valued at £1,050,000. As newly qualified professionals (Barristers) with strong future earning potential, they needed a lender who would recognise their income trajectory rather than just their current salaries. The Challenge High purchase price with an 85% loan-to-value (LTV) requirement … Continue reading “Case Study: High-Net-Worth Couple Secures £1.05m Property with 85% LTV”
First-Time Buyers in 2025: Is Now the Right Time to Buy a Home?
First-Time Buyers in 2025: Is Now the Right Time to Buy a Home? With the Bank of England recently cutting the base rate down and some lenders introducing more generous income multiples for renters, the big question for first time buyers is back on the table. Do you buy now or wait for mortgage rates … Continue reading “First-Time Buyers in 2025: Is Now the Right Time to Buy a Home? “
Bank of England Cuts Base Rate to 4% – What It Means for You
Bank of England Cuts Base Rate to 4%. What It Could Mean for You Updated: 7 August 2025. The Bank of England has announced a 0.25% base rate cut, reducing it to 4%, meaning it is now at it’s lowest level since March 2023. This move is another positive step in the right direction for mortgage … Continue reading “Bank of England Cuts Base Rate to 4% – What It Means for You”
Why Getting a Mortgage in Principle Makes You a Serious Buyer.
Why Getting a Mortgage in Principle Makes You a Serious Buyer. An Agreement in Principle (AIP), sometimes called a Mortgage/Decision/Offer in Principle, is one of the most powerful tools you can have in your home buying journey, especially in today’s fast-moving and competitive market. Here’s why serious buyers start with having a mortgage in principle. … Continue reading “Why Getting a Mortgage in Principle Makes You a Serious Buyer.”
First Time Buyer Mortgage Guide (2025) | The Mortgage Broker
A First Time Buyer’s Guide to Getting a Mortgage in 2025 How do first time buyers get a mortgage in the UK? To get a mortgage as a first time buyer in the UK you usually need at least a deposit of 5-10%, proof of income and a good credit history. However, there are many … Continue reading “First Time Buyer Mortgage Guide (2025) | The Mortgage Broker”
Kevin Blount joins The Mortgage Broker
The Mortgage Broker has appointed Kevin Blount as its Director of Commercial Operations. The Mortgage Broker are absolutely thrilled to have Kevin Blount as part of their senior team. Kevin brings a wealth of experience across The Mortgage Industry, and most recently, with a market leading platform, One Mortgage System. Sam Kirtikar, The Mortgage Broker’s … Continue reading “Kevin Blount joins The Mortgage Broker”
How To Pay Off Credit Card Debt
Do you have credit card debt that you would like to reduce or clear? It can be easy for the balance on your credit cards to quickly mount up, leaving you with large debts and a lot of stress.