Written by Jodi Spreadbury, Senior Mortgage and Protection Broker,  The Mortgage Broker Low deposit mortgage schemes are getting a lot of attention, and his week (May 18th 2026) Halifax have launched their own low deposit mortgage scheme for First Time Buyers (FTB), requiring a minimum deposit of just £5,000 with a 5 year fixed rate … Continue reading “Low Deposit Mortgage Schemes: Can You Buy With 5% or £5,000 Deposit?”

Written by Jodi Spreadbury, Senior Mortgage and Protection Broker,  The Mortgage Broker Many homeowners assume staying with their current lender will be quicker and easier. Sometimes it is. But easier does not always mean more suitable. It does not always mean cheaper either. That is why independent mortgage advice matters. We recently spoke to a … Continue reading “Why Waiting for Your Lender Could Cost You at Remortgage”

Written by John Noakes, Mortgage Advisor,  The Mortgage Broker Trying to get onto the property ladder can feel harder than ever. That part is real. But many first-time buyers are not stuck because buying is impossible. They are stuck because they are overwhelmed, underprepared, or too focused on headlines rather than their own position. That … Continue reading “Why Independent Mortgage Advice Matters More Than Ever for First-Time Buyers”

Written by Paul Smith, Head of Later Life Lending, The Mortgage Broker Are you over 55 and thinking about whether your current mortgage is set up in a way that will help you plan for retirement and possibly beyond? You might be starting to think ahead from age 50, looking to take a new loan … Continue reading “Why a Later Life Lending Review Matters More Than Ever”

Written by Sam Noble, Partnerships Manager, The Mortgage Broker Employee benefits have moved on. They are no longer just about pensions, gym discounts and annual leave policies. Those things still matter, but they are not always what keeps someone awake at night. For many employees, the bigger pressure is far closer to home. Mortgage costs. … Continue reading “Employee Benefits That Support Financial Wellbeing”

Written by Sam Kirtikar, CEO, The Mortgage Broker   Mortgage decisions matter more when the market is moving quickly and there is uncertainty, but take your time and get advice rather than simply acting quickly. The market is changing quickly, and mortgage lenders have been changing rates, updating products and, in some cases, working to … Continue reading “Mortgage resilience in a volatile market: why better advice matters more than ever”

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”