Struggling with your credit history? You are not alone and you still have options when it comes to getting a mortgage. Quick guide from Sarah Mascot – book a free mortgage review here directly with Sarah.  If you have had missed payments, defaults, CCJs, an IVA or DMP, or even a discharged bankruptcy, there are … Continue reading “Bad Credit Mortgages: How to Get Approved, Improve Your Credit and Find the Right Lender”

By Jodi Spreadbury, CeMAP, Award-winning Mortgage & Protection Adviser at The Mortgage Broker.  Book a Free Appointment with Jodi Spreadbury Here.  Reassessing Your Mortgage Term: A Smart Time to Act Remortgaging isn’t just about chasing a better rate, it’s a chance to reshape how long you’ll be paying your mortgage. Yes, you can usually change … Continue reading “Can You Change Your Mortgage Term When Remortgaging?”

by John Noakes, Mortgage Advisor, The Mortgage Broker.  Book a Free Appointment with John Noakes Here.  The property market may be facing uncertainty over potential stamp duty reforms, but improving mortgage deals are helping to keep things moving. With lenders competing again and rates softening, affordability pressures are beginning to ease across residential, buy-to-let, and … Continue reading “Improving Mortgage Deals Helping to Offset Stamp Duty Uncertainty Across the UK Property Market”

by Adrian Perch, qualified mortgage and protection adviser, with a background in Estate Agents. Did you know that 22% of home sales in England & Wales collapse because the buyer isn’t mortgage-ready? According to Santander and The Negotiator data, lack of early mortgage preparation is now the third biggest cause of sales falling through. This article … Continue reading “Not being mortgage ready kills 22% of house sales!”

By Sam Kirtikar, CEO, The Mortgage Broker. All data taken from The Mortgage Broker’s mortgage applications since May 1st 2025. Through our work with thousands of borrowers each year, we see changes in the market as they emerge. In spring and summer 2025, we observed a measured shift in how customers balance loan-to-value (LTV), initial … Continue reading “How borrowers are balancing LTV, rates and terms in 2025, and what it means for you”

The Mortgage Broker helps first time buyers understand each step of the mortgage process and is extremely experienced in getting our customers onto the property ladder. Our advisers are CeMAP qualified and FCA regulated with over 2,500 five star Trustpilot reviews and a 5/5 Google rating. You get clear guidance, secure handling of your information … Continue reading “First Time Buyer Mortgage Guide: Steps, Costs, FAQs. The Mortgage Broker”

The Mortgage Broker team gathered at Wyboston Lakes, our head office and training centre, for this year’s Sales Conference. In a challenging market that our customers live in, it is our responsibility to stay informed and proactive.  The day focused on reflection, collaboration and continual improvement. With our Mortgage & Protection Advisers from across the … Continue reading “The Mortgage Broker Sales Conference – Autumn 2025”

Klarna is a Buy Now, Pay Later (BNPL) service. It lets you split purchases into short-term instalments, sometimes interest free. BNPL uses may be reported to credit agencies and will show on your bank statements, so lenders can treat the instalments like regular monthly costs. Buy Now Pay Later  services, like Klarna are common, especially … Continue reading “Does Klarna affect your mortgage application in the UK”

A broker works for you, not the lender, which helps you secure the most suitable and competitive rate available, searching the entire market, not just one lender’s products. TMB is an independent mortgage broker. Remortgaging can save you thousands, but finding the right deal alone can be overwhelming. Here is why using a qualified remortgage broker gives you … Continue reading “Why Use an Independent Mortgage Broker to Remortgage”

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”