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Category: FAQ - Buying a Property – Mortgages
- Category: Top 15
Category: Bad Credit Mortgage Broker 1
Category: Bad Credit Mortgage Broker 2
Category: Bad Credit Mortgage Broker 3
Category: Contractor Mortgage 1
Category: Contractor Mortgage 2
Category: Contractor Mortgage 3
Category: Home Mover 1
Category: Home Mover 2
Category: Home Mover 3
Category: Bad Credit Mortgage 1
Category: Bad Credit Mortgage 2
Category: Bad Credit Mortgage 3
Category: Mortgage in Principle 1
Category: Mortgage in Principle 2
Category: Mortgage in Principle 3
Category: buy-to-let-mortgages 1
Category: buy-to-let-mortgages 2
Category: buy-to-let-mortgages 3
Category: Secured Loans UK 1
Category: Secured Loans UK 2
Category: Secured Loans UK 3
Category: Guarantor Mortgage 1
Category: Guarantor Mortgage 2
Category: Guarantor Mortgage 3
Category: NHS Mortgages 1
Category: NHS Mortgages 2
Category: NHS Mortgages 3
Category: Discount Mortgage 1
Category: Discount Mortgage 2
Category: Discount Mortgage 3
Category: Best Remortgage Rates 1
Category: Best Remortgage Rates 2
Category: Best Remortgage Rates 3
Category: Mortgage with an IVA 1
Category: Mortgage with an IVA 2
Category: Mortgage with an IVA 3
Category: Remortgage and Borrowing More 1
Category: Remortgage and Borrowing More 2
Category: Remortgage and Borrowing More 3
Category: Self Employed Mortgages 1
Category: Self Employed Mortgages 2
Category: Self Employed Mortgages 3
Category: Debt Consolidation Bad Credit 1
Category: Debt Consolidation Bad Credit 2
Category: Debt Consolidation Bad Credit 3
Category: 90 & 95% LTV Mortgages 1
Category: 90 & 95% LTV Mortgages 2
Category: 90 & 95% LTV Mortgages 3
Category: Bridging Loans 1
Category: Bridging Loans 2
Category: Bridging Loans 3
Category: Remortgage a Residential Mortgage to a Buy to Let 1
Category: Remortgage a Residential Mortgage to a Buy to Let 2
Category: Remortgage a Residential Mortgage to a Buy to Let 3
Category: Modern Method of Auction Mortgage 1
Category: Modern Method of Auction Mortgage 2
Category: Modern Method of Auction Mortgage 3
Category: Why Mortgages Get Declined 1
Category: Why Mortgages Get Declined 2
Category: Why Mortgages Get Declined 3
Category: How To Pay Off Credit Card Debt 1
Category: How To Pay Off Credit Card Debt 2
Category: How To Pay Off Credit Card Debt 3
Category: High Net Worth Mortgages 1
Category: High Net Worth Mortgages 2
Category: High Net Worth Mortgages 3
Category: Remortgage with Bad Credit 1
Category: Remortgage with Bad Credit 2
Category: Remortgage with Bad Credit 3
Category: Offset Mortgages 1
Category: Offset Mortgages 2
Category: Offset Mortgages 3
Category: Remortgage 1
Category: Remortgage 2
Category: Remortgage 3
Category: Teacher Mortgages 1
Category: Teacher Mortgages 2
Category: Teacher Mortgages 3
Category: UK Stamp Duty Calculator 1
Category: UK Stamp Duty Calculator 2
Category: UK Stamp Duty Calculator 3
Category: IT Contractor Mortgages 1
Category: IT Contractor Mortgages 2
Category: IT Contractor Mortgages 3
Category: Tracker Rate Mortgages 1
Category: Tracker Rate Mortgages 2
Category: Tracker Rate Mortgages 3
Category: Critical Illness Cover 1
Category: Critical Illness Cover 2
Category: Critical Illness Cover 3
Category: Overpay My Mortgage or Reduce the Term? 1
Category: Overpay My Mortgage or Reduce the Term? 2
Category: Overpay My Mortgage or Reduce the Term? 3
Category: Should I Remortgage Now 1
Category: Should I Remortgage Now 2
Category: Should I Remortgage Now 3
Category: Remortgage for Home Improvements 1
Category: Remortgage for Home Improvements 2
Category: Remortgage for Home Improvements 3
Category: Equity Release Mortgage 1
Category: Equity Release Mortgage 2
Category: Equity Release Mortgage 3
Category: Limited Company Director Mortgage 1
Category: Limited Company Director Mortgage 2
Category: Limited Company Director Mortgage 3
Category: Interest Only Mortgages 1
Category: Interest Only Mortgages 2
Category: Interest Only Mortgages 3
Category: Redundancy Cover 1
Category: Redundancy Cover 2
Category: Redundancy Cover 3
Category: Debt Consolidation Loan 1
Category: Debt Consolidation Loan 2
Category: Debt Consolidation Loan 3
Category: Mortgages for Doctors 1
Category: Mortgages for Doctors 2
Category: Mortgages for Doctors 3
Category: Commercial Mortgages 1
Category: Commercial Mortgages 2
Category: Commercial Mortgages 3
Category: Income Protection Insurance 1
Category: Income Protection Insurance 2
Category: Income Protection Insurance 3
Category: Student Buy to Let Mortgage 1
Category: Student Buy to Let Mortgage 2
Category: Student Buy to Let Mortgage 3
Category: Expat Mortgages 1
Category: Expat Mortgages 2
Category: Expat Mortgages 3
Category: Non Standard Construction Mortgage 1
Category: Non Standard Construction Mortgage 2
Category: Non Standard Construction Mortgage 3
Category: Mortgage with a CCJ 1
Category: Mortgage with a CCJ 2
Category: Mortgage with a CCJ 3
Category: Debt Consolidation Mortgage 1
Category: Debt Consolidation Mortgage 2
Category: Debt Consolidation Mortgage 3
Category: Mortgage Survey 1
Category: Mortgage Survey 2
Category: Mortgage Survey 3
Category: Remortgage for Debt Consolidation 1
Category: Remortgage for Debt Consolidation 2
Category: Remortgage for Debt Consolidation 3
Category: Mortgage Advisor Term Match 1
Category: Mortgage Advisor Term Match 2
Category: Mortgage Advisor Term Match 3
Category: Employee Benefit Scheme 1
Category: Employee Benefit Scheme 2
Category: Employee Benefit Scheme 3
Category: Mortgage HUB 1
Category: Mortgage HUB 2
Category: Mortgage HUB 3
Category: Estate Agents 1
Category: Estate Agents 2
Category: Estate Agents 3
Category: Independent Mortgage Broker
Category: Directors Life Insurance Hub 1
Category: Directors Life Insurance Hub 2
Category: Directors Life Insurance Hub 3
Category: Buy to Let Mortgages HUB 1
Category: Buy to Let Mortgages HUB 2
Category: Buy to Let Mortgages HUB 3
Category: London Mortgage Broker 1
Category: London Mortgage Broker 2
Category: London Mortgage Broker 3
Category: HUB - FIRST TIME BUYERS 1
Category: HUB - FIRST TIME BUYERS 2
Category: HUB - FIRST TIME BUYERS 3
Category: SEO PAGE: Limited Company Buy to Let Page 1
Category: SEO PAGE: Limited Company Buy to Let Page 2
Category: SEO PAGE: Limited Company Buy to Let Page 3
Category: TMB Scotland
Category: TMB Eaton Socon
Category: Broker Support Team
Category: Our Advisors
Category: Management
Category: Uncategorised
- Bank of England cuts the base rate to 3.75%
- The Mortgage Application Customer Journey
Category: Latest
- Selling Your Home to Buy a New Build: Why Q1 Is the Time to Act
- Why January Is the Best Time for Self-Employed Mortgage Planning
- Mortgage Planning vs House Hunting: Which Should Come First?
- Why Getting Mortgage‑Ready Is the New 2026 Resolution
- UK Housing Market Report 2026: Now Is the Time to Get Mortgage Ready with Independent Advice, Why?
- What Budget and Rate Changes from 2025 mean for buy to let landlords in 2026
- Remortgage for Debt Consolidation: reducing monthly outgoings after Christmas
- Deposit options: gifted vs saved vs LISA-What lenders accept
- Do You Need a Solicitor to Remortgage? Everything Homeowners Need to Know
- How Much Does It Cost to Remortgage? A Complete Guide for UK Homeowners
- Renters’ Rights Act 2025: practical steps for landlords ahead of 1 May 2026
- Can You Remortgage Early? Everything You Need to Know
- Autumn Budget 2025: What Limited Company Buy to Let Landlords Really Need to Know
- Autumn Budget 2025: what it means for your mortgage and for buy to let landlords
- How Does a Remortgage Work?
- First Time Buyer Mortgage Timeline: The pre-Christmas Checklist
- Should You Fix or Track Your Mortgage? Navigating Rate Choices.
- Autumn Budget 2025: Income Tax Plans Scrapped! What Now for Mortgage Rates?
- Is a 35 Year Mortgage Term the New Normal?
- Are Renters returning to Homeownership?
- Is It Ever Worth Overpaying Your Mortgage?
- Could You Cut 10 Years Off Your Mortgage Without Paying More Each Month?
- Buying a Home in Your 20s: A Practical Guide
- Bad Credit Mortgages: How to Get Approved, Improve Your Credit and Find the Right Lender
- Can You Change Your Mortgage Term When Remortgaging?
- Improving Mortgage Deals Helping to Offset Stamp Duty Uncertainty Across the UK Property Market
- Not being mortgage ready kills 22% of house sales!
- How borrowers are balancing LTV, rates and terms in 2025, and what it means for you
- First Time Buyer Mortgage Guide: Steps, Costs, FAQs. The Mortgage Broker
- The Mortgage Broker Sales Conference – Autumn 2025
- Does Klarna affect your mortgage application in the UK
- Why Use an Independent Mortgage Broker to Remortgage
- New Build Mortgage 2025: A 5-Minute Q&A with TMB’s New Build Leader
- Modern Method of Auction Mortgages Explained
- Why Every Director Should Think About Director’s Life Insurance
- 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?
- Bank of England Cuts Base Rate to 4% – What It Means for You
- Why Getting a Mortgage in Principle Makes You a Serious Buyer.
- First Time Buyer Mortgage Guide (2025) | The Mortgage Broker
- Kevin Blount joins The Mortgage Broker
- How To Pay Off Credit Card Debt
- First-Time Buyers: Buy Now or Wait for Better Mortgage Rates?
- Avoid the Stamp Duty Increases and Move Home Before Christmas!
- What Are You Waiting For? Why You Shouldn’t Wait to Buy a Property
- The Mortgage Market: Navigating Tough Mortgage Rates
- Does your visa status preclude you from getting a mortgage?
- Income in US Dollars and a boat mooring – Is a mortgage possible?
- Tier 2 Visa Mortgage required / First Time buyer and First Time Landlord
- Mortgage using solely maintenance income
- Switching to an Interest Only Mortgage ahead of retirement.
- Disbursements
- Direct debit
- Dilapidations
- Insurance Trusts
- Self-Employed Update
- Mortgage Protection Podcast Episode Five
- Mortgage Protection Podcast Episode Four
- Mortgage Protection Podcast Episode Three
- Mortgage Protection Podcast Episode Two
- Mortgage Protection Podcast Episode One
- Getting a mortgage when furloughed
- Adverse Credit Blog
- Mortgage Guarantee Scheme
- Budget Update March 2021
- Remortgaging for Debt Consolidation
- First Time Buyer Mortgage Podcast
- Remortgaging – What does it mean?
- Mortgages Suffer Huge Drop in December
- Stamp Duty Cut May Not Help First Time Buyers After All
- Cashing Out on Bitcoin? You Could Have Trouble Getting a Mortgage
- Mortgage Approvals Hit New Low in November 2017
- House Prices Set to Fall as We Enter 2018
- Support for Mortgage Interest Scheme to Be Changed in 2018
- Mortgage Write-Offs at Lowest Level for Years
- Mortgage Approvals Dip Lower in October
- Number of Home Loans Under 1% Shrinks to Just One
- Buy to Let Sales Suffer in the Last Year
- Halifax Mortgage Rates on the Way Up
- “Outside of the Box” Mortgage Underwriting
- Estate Agent’s Mortgage Adviser or Mortgage Broker?
- Expert Guide To Low-Income Mortgages and How to Get One!
- Vote for The Mortgage Broker in the British Mortgage Awards
- Ex-Pat Mortgages
- New Government Mortgage Indemnity Scheme Launched
- Mortgage ‘Time Bomb’ Endangers Interest-Only Mortgage Borrowers
- IMLA Raises Further Concerns Over FSA Mortgage Market Review
- Nick Hancock’s Mortgage Broker Years – Not a Shining Success
- Nationwide Clamps Down on Interest-Only Mortgages
- 2nd Residential Mortgage
- First-Time Buyers Hit By Small Deposit Penalty
- Housing Market Slowdown Signalled by Falling Mortgage Approvals
- Major Growth in Value of UK Housing Stock in Last 12 Months
- A Third of Mortgage Holders Will Run into Problems if Rates Increase
- Bank of England Reveals Mortgage Rate Rises Will Be Gradual
- Are Mortgages Out of the Question for the Over 40s?
- Middle Movers Are Struggling to Advance on the Housing Ladder
- Council of Mortgage Lenders Says Mortgage Lending is at Healthy Level
- Fast-Tracked First-Time Buyer Plan Set to Start in January
- UK Mortgage Holders Fear Missing Payments after Christmas
- Why Mortgages are Declined: Understanding Mortgage Rejection
- Does Mortgage Count as Debt: And Six Other Vital Questions
- What Mortgage Insurance Do I Need? And Other Important Questions
- How to spend over £90m of a lottery win on some prime properties around the world
- Which Lenders Offer the Highest Mortgages?
- What Mortgage Can I Get for £1,000 a Month? Crunching the Numbers
- Property Investor Survey Reveals What Landlords Expect in 2017
- 10 Ways in Which We Can All Help the UK Mortgage Market
- 10-Year Mortgage Rates Launched in New UK Mortgage Price War
- £16 Billion in Interest-Only Mortgages Set to Mature in 2017
- 17,000 Property Purchases Completed Under Help to Buy Scheme
- 2013 Ends on a High Note for the Housing Market
- 2014 Homeowner Survey Reveals Worries of Younger Home Owners
- 2018 Buy to Let Lending Will Drop Far Short of Forecasts
- 288 Deals Offered to Those Looking for 95% Mortgages
- 30-Year Mortgages Becoming More Common | The Mortgage Broker
- 35-Year Mortgages Becoming More Commonplace
- 4-Month Rise Seen for Mortgage Approvals | The Mortgage Broker
- 40% of People Suffer from Stress When Applying for a mortgage
- More 90-95% LTVC Mortgages to be Found in Jan… | The Mortgage Broker
- More 95pc LTV Mortgages Appear on Market | The Mortgage Broker
- 95% Mortgages at Competitive Interest Rates | The Mortgage Broker
- Nationwide Grows Mortgage Business in 2011
- A Guide to Shared Ownership | The Mortgage Broker
- Nationwide Launches Cheap Mortgages for 2012
- New Buy Scheme, Same Old Story?
- New Buy To Let Products Launched!
- New Mortgage Tariff Launched by Council of Mortgage Lenders and Which?
- New Research Indicates 75% of Homeowners Signed Mortgage Contract Without Reading it in Full
- News Outlets Seize on New Mortgage Rules Introduction
- NI Mortgage Broker Fined and Banned
- Number of Mortgage Products at Highest Level Since April 2009
- Obama Heralds New Mortgage Task Force
- One in Four First Time Buyers Take Over Five Years to Save a Deposit
- Outstanding Loan-to-Value Amounts Are Lowest in the Capital
- Outstanding Mortgages Common Among Retiring People
- Over 1 Million Households Owe Mortgage Debts of 4.5 Times Their Income
- Over 11,000 Families on Interest-Only Mortgages at Risk of Losing Their Homes in 2018
- Platform Reduces its Buy to Let Rates
- Everything You Need to Easily Port a Nationwide Mortgage!
- Post-Election Surge in Home-Buying Sees Mortgage Approvals Rise
- Post Office Cuts Mortgage Rates
- Pre-Election Jump in Mortgage Approvals Leads to Encouraging Figures
- Predictions for the Mortgage and Housing Market in 2017
- Product Changes Rates on the Way Down
- The Top 5 towns for house price growth in 2018
- Quick Mortgage Offer 2 Days!
- Reasons to be Cheerful in the UK Mortgage Market
- Why Mortgages Get Declined
- Record Low Mortgage Deal from the Chelsea Building Society
- Referendum? What Referendum? Boom in Mortgage Lending in June
- Remortgages Pip Purchases to the Post at The Mortgage Broker Ltd
- Remortgaging Hits All-Time High as Borrowers Flee Higher Rates
- Repossessions Are Now Lower Than Ever, Thanks to Low Mortgage Rates
- Research Reveals a House Deposit is Not Top of Millennials Lists
- Retirement Mortgages
- Retirement Property Mortgage
- Rise or Fall: Where Are the Mortgage Rates Heading Next?
- Rising Interest Rates Not a Concern for Majority of Homeowners
- Santander Demands 50 per cent Equity for Interest-Only Mortgages
- Santander Sees Profits Soar Thanks to UK Mortgage Lending Rise
- Scottish Mortgages Fall in 2011 Although Remortgages Increase
- Scottish People Could Have Pricier Mortgages if They Say Yes to Independence
- Self Build Mortgages
- Why A Self Certified Mortgage Is Not Always The Only Option?
- Self Employed for 12 Months Only? Residential Mortgages Still Available
- Service Improvements at Northern Rock
- Seven-Year High on Mortgage Lending in the UK
- Shortlisted for The British Mortgage Awards 2012
- Should I Remortgage Now?
- Significant Buy to Let Profits Still Possible But Only Long Term
- Significant Fall in Mortgage Costs in a Four-Week Period
- Skipton Cuts Buy-To-Let Mortgage Costs
- Slow and Steady House Price Drop Set for Five Years
- Small Deposit Buyers Make Up One-Fifth of the Mortgage Market
- Small Percentage of Britons Use Payday Loans to Meet Mortgage Payments
- Some People Plan to Dip into Pension Pot to Clear Mortgage
- Spain – Should we Brits Invest?
- Standard Rate Mortgages Save Borrowers £2,600
- Stress Test Guidelines to be Applied for New Mortgage Applicants
- Study Reveals One in Seven in Their Seventies Still Have a Mortgage
- Sub-Prime Mortgages Return to the UK
- Telegraph Takes a Look at Top Mortgage Deals
- 4 in 10 Mortgage-Holders Lack Life Insurance Payment Protection
- Tesco All Set to Expand Their Mortgage Business
- The Budget Fails to Reverse the Tax Changes Coming for Landlords
- The Current Buy To Let Market
- The Money Statistics for October Reveal Some Interesting Facts
- The Mortgage Broker Runner up at The British Mortgage Awards
- The Mortgage Broker (St Neots) Ltd Runner up at the British Mortgage Awards 2013
- The Pros and Cons of Student Buy to Let
- The COVID-19 Mortgage Payment Holiday: What Does it Mean for You?
- The Return of the 100% Mortgage But is it a Smart Idea?
- The Return of the 95% Mortgage
- Things to Consider As a First Time Buyer
- Things to Consider as a First Time Landlord
- Thinking of a moving or remortgaging?
- Tom Hanks Experiences the Ups and Downs of Home Ownership
- Top Deals on Mortgages and Bonds
- Top Ten Fixed Rate Mortgages
- The Traditional 25-Year Mortgage is Becoming Less Popular
- Trapped Renters’ Unable to Get a Mortgage
- Over Two-Dozen Mortgages Have Lower Interest Rates than Savings Accounts
- Two Year Fixed Rate Mortgage Interest Rates Are on the Rise
- UK Buy-to-Let Mortgages Now Top £200 Billion
- UK Consumers Remain Cautious Over Mortgage Borrowing
- UK High Street Banks Move Into Large-Scale Mortgages
- UK House Prices Are Dipping, According to Latest Figures
- UK Households Now Hold £1 Trillion in Property Debt
- UK Housing Market Hits a Plateau
- UK Mortgage Approvals Experience Surprising Upswing in December
- UK Mortgage Approvals Reach High Point in January
- UK Mortgage Freedom Day Fell on 19th April This Year
- UK Mortgage-Holders ‘Better Off Than Savers’
- UK Mortgage Lenders Predict Fall in Approvals
- UK Mortgage Lending Ends the Year on a High Note
- UK Mortgage Market Has Successful Start to 2016
- UK Mortgage Market off to Flying Start in Q1
- UK Mortgage Payments are Now Lower than the Cost of Childcare
- UK Mortgages in Serious Arrears Drop to Lowest Level in 7 Years
- UKAR Accused of Mistreating Landlord Mortgage Borrowers
- Upbeat Property Market to be Hit Hard by End of Stamp Duty Exemption?
- Warning for Variable Rate Mortgage Holders Concerning Interest Rate Rise
- What Does Remortgage Mean UK: Learning the Basics
- What is a Consent to Let Mortgage?
- What is a Let to Buy Mortgage?
- What is a Mortgage Broker?
- What Is Negative Equity?
- What Lies in Store for the Mortgage Market in 2016?
- What Mortgages Can I Get? Find the Best Mortgage for You
- What to Expect As a First Time Landlord
- Which City is the Most Affordable for First Time Buyers?
- Who Provides Mortgages? Discover Your Options When Buying a Home
- Why Choosing The Right Mortgage Broker Will Save You Money
- Why First time buyers should use a Mortgage Broker
- Why Remortgage UK: Potential Reasons Why You Might Switch Home Loans
- Why Would You Remortgage a House?
- Why You Should Buy a House in Yorkshire
- Will Brexit Trigger Even Lower Mortgage Rates?
- Will Interest Rate Cut Lead to Cheaper Mortgage Payments?
- Will Mortgages Be Affected by Brexit: Information about Leaving the EU
- Will New EU Rules Hit UK Mortgage Lending?
- Woolwich launches an innovative new product aimed at First Time Buyers
- Yorkshire Softens Buy-To-Let Mortgage Criteria
- Zero Hour Contracts Present another Hurdle for Home Buyers

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About the author:

Sam Kirtikar

CEO - The Mortgage Broker

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.

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