Written by Jodi Spreadbury, Senior Mortgage and Protection Broker, Self-Employed Mortgages Expert, The Mortgage Broker Book a free appointment with Jodi, here. If you are self-employed, you have likely heard this: “Mortgages are harder for people like you.” Sometimes that’s an excuse, sometimes it’s true but for the wrong reasons. Here’s the reality: There is … Continue reading “Self-Employed Mortgages: Harder to Get, Fact or Myth”

Written by Sarah Mascot, Mortgage Advisor, Debt Consolidation Expert, The Mortgage Broker Book a free appointment with Sarah, here. If you are juggling credit cards, loans and an overdraft that never seems to shrink, it can feel like you are constantly firefighting. You are not alone. Pepper Money’s Specialist Lending Study 2025-2026 found that households … Continue reading “Debt Consolidation Remortgage: A Straight-Talking Guide”

Written by Harrison Andrews, Mortgage and Protection Advisor, Buy to Let Expert, The Mortgage Broker Book a free appointment with Harrison, here. What Is Buy to Let? Buy to Let is exactly what it sounds like: purchasing a property with the intention of letting it out rather than living in it yourself. The return comes … Continue reading “What adds value to Buy to Let properties?”

Written by Jodi Spreadbury, Senior Mortgage and Protection Broker, The Mortgage Broker Book a free appointment with Jodi, here. The February 2026 UK House Price Index (UK HPI) update shows a housing market that’s still moving, but one that isn’t racing ahead. The average UK home now sits at £270,000, which is up 2.4% year-on-year … Continue reading “UK House Price Index update (18 February 2026): the market is moving, not racing”

Written by Sarah Macsot, Mortgage Adviser, The Mortgage Broker Book a free appointment with Sarah, here. If you’ve separated and there’s a joint mortgage, it can feel like you’re stuck in a financial relationship you didn’t sign up for. You’re not alone, and the good news is there are usually several workable routes forward. What … Continue reading “Red Tuesday: 7 Mortgage Options When You Break Up”

Written by Sam Kirtikar, CEO, The Mortgage Broker The Bank of England has held the base rate at 3.75% at today’s Monetary Policy Committee meeting.     The headline is simple: no change. The reality is more useful: mortgage pricing doesn’t move purely on the day of an MPC decision, it moves on expectations, funding … Continue reading “Bank of England interest rate held at 3.75% (5 February 2026)”

Written by Craig Leigh, Mortgage Adviser, The Mortgage Broker Book a free appointment with Craig, here.   Mean age of first time buyers, London and the rest of England, 2003-04 to 2023-24 Source- Ministry of Housing, Communities & Local Government The average first-time buyer age is now 34 in England and 35 in London (based … Continue reading “Low-deposit mortgages in 2026: what first-time buyers can do now (and what to watch out for)”

Written by Monsor Malik, Mortgage Adviser, The Mortgage Broker Book a free appointment with Monsor, here. Why Q1 matters for new build buyers Q1 is a busy period for developers. It’s when sales teams often focus on securing reservations that can complete later in the year, helping them keep build schedules and targets on track. … Continue reading “Selling Your Home to Buy a New Build: Why Q1 Is the Time to Act”

Written by Harrison Andrews, Mortgage Adviser, The Mortgage Broker Book a free appointment with Harrison, here. If you are self-employed and thinking about buying a home, January is one of the most useful moments in the year to stop guessing and start planning. Not because you should rush into a purchase, but because January is … Continue reading “Why January Is the Best Time for Self-Employed Mortgage Planning”

Written by Craig Leigh, Mortgage Adviser, The Mortgage Broker Book a free appointment with Craig, here. Buying a home is one of those big “adulting” moments that sounds exciting, but quickly becomes confusing. There’s advice everywhere, jargon you’ve never used before, and a nagging feeling that everyone else knows what they’re doing except you. One … Continue reading “Mortgage Planning vs House Hunting: Which Should Come First?”