Over the last few years, mortgage terms have quietly stretched out with people taking out longer mortgages. What used to be a standard 25 year mortgage is now the exception rather than the rule, with an increasing number of longer term mortgages. Recent data shows: Over half of first-time buyers now take a mortgage term … Continue reading “Is a 35 Year Mortgage Term the New Normal?”

After several years of rising rents and affordability challenges, there’s a quiet but noticeable shift happening in the UK housing market: more renters are beginning to look seriously at buying their first home. Better saving habits, stabilising house prices and more competitive mortgage deals are helping many first-time buyers take the next step. Why Renters … Continue reading “Are Renters returning to Homeownership?”

It might sound too good to be true, but with the right mortgage advice, it really can happen.  Quick case study by Jodi Spreadbury- book a free mortgage review here directly with Jodi.  When your mortgage deal comes to an end, many people automatically roll onto their lender’s standard variable rate (SVR), often much higher … Continue reading “Could You Cut 10 Years Off Your Mortgage Without Paying More Each Month?”

Average First Time Buyer age is 34 in 2025, but can you buy in your 20s? Average age of a First Time Buyer in the UK, is reported by some High Street Lenders, to be 34. In London, the average age is 37, according to Money Supermarket. Why? House prices, cost of borrowing and affordability … Continue reading “Buying a Home in Your 20s: A Practical Guide”

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”