Mortgage Guides

Learn how let-to-buy mortgages work, who they suit, eligibility, and costs. Rent your current home and buy a new one.

While remortgaging generally does not required a deposit, you will still need to incur additional expenses along the way.

Being a contractor has its benefits, but when it comes to proving earned income for mortgage then it can be very complex

Foreign nationals can own properties in the UK as visa does not stop them. However, the process may get challenging when obtaining mortgage to purchase the property

6x salary mortgages that significantly increase their borrowing capacity up to 30 %

Monthly mortgage payment depends on a number of factors, including interest rates, deposit amount .

Mortgages for company director is for those who runs their own limited company & take salary plus dividend as part of remuneration.

Most people go for longer term mortgage as long as 40 years and some lender now offer 40 years mortgage to keep monthly payment more manageable and borrow more.

While buying a property is a dream come true, many self-employed individuals find themselves worrying about getting mortgages.

Mortgage porting is you move your current mortgage to your new home. The current mortgage terms and condition will remain the same through out the fixed term of your mortgage. Not all the mortgages are portable, or it can depend on couple of factors.

When you are getting a mortgage  to purchase  or remortgage a property, the rate of interest and the deposit to be paid are the two most important factors that influence your decision. Both these factors decide the repayments you would be required to make over time. Another highly important factor that dictates your choice and influences the two factors mentioned above is loan-to-value (LTV) or the LTV ratio. Every mortgage lender takes LTV into consideration before offering

APRC refers to the annual percentage rate. As the name suggests, it is the rate of interest a lender charges for their loan on an annual basis. This interest is often associated with financial instruments like credit cards, loans, mortgages, etc. It lets the borrowers know how much interest they will be charged for the amount borrowed annually.

In simple words, a credit score is a number that represents your creditworthiness. The number is given to every citizen of the UK above the age of 18, making them eligible for financial borrowing. Your credit score plays an important role in financial lenders approving your applications and lending you money. The higher your credit score is, the better your profile looks to a potential lender. High credit scores often convince lenders to lend money. On the other hand, a lower

Learn all about what a mortgage broker charges, from the types of fees to fee-free mortgage brokers and how do mortgage broker get paid

If you have got a Mortgage by yourself and are thinking to add someone else on the mortgage, this is known as a Transfer of equity

Your mortgage application approval, however, can take from 2 to 6 weeks.

Remortgaging is the process of switching an existing mortgage deal with a new one at the end of the fixed term. Most people often choose to remortgage their property for better rates. Some people choose to stay with same lender, but some fail to remortgage on time resulting a lot more monthly mortgage payment. Usually remortgage will involve remortgaging with same lender or change the lender. Remortgage with same lender is called product transfer. Which is simple process and

Most people go for longer term mortgage as long as 35 years and some lender now offer 40 years mortgage to keep monthly payment more manageable and borrow more. Lender would lend more in mortgage for 35 years term compared to short term mortgage, as it increases the affordability by reducing monthly payments.

What is remortgaging? Remortgaging is the process of switching an existing mortgage deal with a new one at the end of the fixed term. Clients often choose to remortgage their properties for better rates to save up on their monthly payments. Some of the common reason for remortgage are settling existing debts, making investments, or home improvements. We would bring the best remortgage deals at your disposal based on your requirements. How long does it take to remortgage ?

When it comes to remortgaging your home, there are two major ways in which you can go about it. You can either stay with the same lender and replace your existing mortgage deal with a new one or find a new lender and get yourself a new deal. Based on your circumstances, it is important to choose the most feasible option. Work with a reliable and capable remortgage broker to guide you in making the right decision. Let us start by understanding is its good idea remortgaging wit

Gathering a sufficient deposit is a big challenge every first-time buyer faces along the way of property ownership. Many mortgage borrowers start saving up for a decent deposit well in advance before making their mortgage applications.

Your credit score arguably plays the most important role in finding an ideal mortgage . Lenders often turn down borrowers with poor credit scores as they are not willing to take any risks in lending them money. It is therefore important to make all your credit payments on time and maintain a good credit score as it is vital for remortgaging your property. However, if the damage is already done and you have acquired bad credit, there is no need to lose hope. People often feel

Mortgage porting is you move your current mortgage to your new home. If you are planning to port your mortgage with Nationwide, it is always advisable to you work with an experienced independent mortgage brokers who knows the market well.

If you have an existing mortgage with Santander and want to retain it while purchasing another property, you can approach Santander for mortgage porting.

Mortgage porting can be very easy and straight forward process if done right first time with the help of no fee independent mortgage broker.

Barclays are offering a better mortgage deal, you can certainly go ahead with the rate switch process, making sure no ERC are payable.

At the end of your Nationwide fixed term mortgage, you can change to a new mortgage deal without changing lenders; this is known as a Product Transfer.

It is been reported government is planning to introduce new 99% LTV mortgage with 1 % deposit to help first time buyer to be on the property ladder.

If you live in the UK and are still on a VISA, you can purchase a property on a mortgage, even if you do not have an ILTR (indefinite leave to remain).

As the name suggests, a shared ownership mortgage is the type of mortgage where you share the ownership of the property with another individual(Housing Association). In other words, you purchase only a portion of the property on the mortgage and pay rent for the other. Also known as “part buy, part rent”, a shared ownership mortgage makes you an owner and a tenant of the same property. It allows you to own the property without making a heavy deposit as you need to pay deposit

Especially in the case of first-time buyers, people choose to purchase properties with their friends or partners. This helps them reduce the deposit paid by each individual and increases the amount they can borrow. While most people choose to partner with one other individual, it is possible for up to 4 individuals to be legal owners of a property. However, confusion between Tenants in Common and Joint Tenants is common when it comes to joint ownership. If you are planning to

Conducting a house survey is one of the many important assessments that need to be made before going ahead with the purchase. Depending on the situation, property, and preferences, you can choose from the many types of building surveys available to you. What is a house survey? As the name suggests, a house survey is an assessment of a property before it is purchased. While purchasing a house, you may need to conduct multiple surveys, such as a homebuyer survey, physical valua

Activity Among First-time Buyers Is Increasing As Annual Price Increase Slows. Here are some tips for first time buyer. When it comes to purchasing properties, first-time buyers are often sensitive to property prices and the mortgage rate prevalent in the market. Property prices in the UK increase every year, adding to the value of houses and flats being sold. First-time buyers need to be conscious of this increase as it influences their overall cost of purchasing their first

Mortgage Jargon Terms used . The property market is no less than a field of study with important terminologies you should make yourself familiar with. Whether you are looking for a first-time buyer mortgage or wish to remortgage your house, it is advisable to know the jargon terms used by mortgage brokers, financial advisors, mortgage lenders, property dealers, and all other parties operating in the market. Here are some of the most common and important jargon terms you shoul

As of the August of 2023, the Bank of England has increased its base rate for the 14th consecutive time, making it more difficult for borrowers to get good mortgage deals. The current base rate of 5.25% is the highest it has ever been since March 2008. Speaking of high rates, the average two-year fixed mortgage rate in the UK is now at 6.85%, crossing the peak of 6.55% in October.

Your monthly mortgage repayments can be a substantial amount of your monthly income, so you should check for better deals from other lenders that will allow you to make lower repayments on better terms. Our expert mortgage brokers will find you the best remortgage deals  for your special needs and seamlessly move you to your new mortgage deal best of all our services are free we do not charge broker fee.

Buying your first house is one of the most important purchases of your life and can be equally exciting and daunting. Our experienced first-time buyer mortgage advisor at MariannaFS can guide you through the process. Remember getting a mortgage secure is main part of the buying process. You should always look at the mortgage options and try to understand how the whole process works. So here is all you need to know about your first mortgage.

Finding the right buy-to-let mortgage can be a daunting task. Our trusted mortgage broker can quickly find you the most exclusive deals, provide prompt, worry-free services and do all the hard work for you. In this guide we cover, Buy to let Buy to let mortgage broker Cost of buy to let

Whether you are moving to a bigger property or downgrading to smaller property, moving home can be a busy and stressful time — and mortgage is the first thing you will worry about. Our experienced advisors will find the best value home mover mortgage for your needs and seamlessly move your mortgage to your new property. so that you can relax and focus on turning your new house into a home.

The UK housing market is made of 7 major types of houses. Detached , Semi-detached , Terrace , End terrace ,Bungalows ,Cottages , Flats, Maisonettes.

Mortgage applications through a mortgage broker can take up to 2-3 weeks for approval. Which is a lot quicker than going direct to lender.

Remortgage can take few months. we have cover in this guide the cost and saving related to remortgage. It is good idea to shop around 3 -4 months in advance. Compare the mortgage deals and know the cost involve. In this guide we will look at, Remortgage cost. How much you save.

Buy-to-let properties are some of the most popular investments with good rental yield. As the name suggests, buy-to-let property is a property that is purchased with the sole intention of letting it…

Are you mortgage ready ? Buying a new home is, in equal parts, exciting and full of responsibilities. If you are planning to get a mortgage for your new house, it is important to be patient, alert, and precise in your approach. Moreover, it is advisable to work with a skilled and experienced mortgage broker in your city. For example, if you are looking forward to buying a property in Harrow, make sure you hire the best mortgage broker Harrow has to offer based on your require

Mortgage in principle, Decision in principle or Agreement in principal. MIP, DIP or AIP. With the current market situation house prices are at its highest many estate agents wants to know if you are mortgage ready. Estate agents will ask you for mortgage in principle before submitting your offer. what is mortgage in principal? A mortgage in principle is preapproval of your mortgage from lender which tells you roughly how much you may able to borrow.

If your Barclays Fixed rate mortgage deal is coming to an end then you should be thinking of a Barclays Rate switch or a product transfer which could help you save money on monthly mortgage payments

Lenders always want to see a more lengthy track record of a client being self-employed compared to an employed client. Many lenders would want to see atleast 2 years of track record of trading.

The short answer to this question is yes.

When it comes to mortgages, people have always taken into consideration borrowers who are salaried employees. However, as more and more professionals are becoming contractors, this notion is changing. If you are a contractor and want to buy a property, you can do so by taking a contractor mortgage. Work with your mortgage broker and look for a lender who provides contractor mortgages at deals that are suitable for your circumstances. What is a contractor mortgage? As the name

Income is the main factor in mortgage approval. How much you can borrow will depend on what income can be used

Many people have a plan to move home but have a fixed term mortgage on an existing property and don’t know where to start the process. If you have a mortgage with HSBC on your current home, HSBC…

Getting a mortgage is always an important event in an individual’s life. It is, therefore, common for people to get excited and confused at the same time. Especially if you are getting a mortgage for the first time, it is always important to be familiar with the manner in which the process works. Moreover, is important to seek help from professional advisors. For example, if you are looking for a property in Hounslow, look for the best mortgage advisor Hounslow has to offer b

Many first time buyers who are looking to purchase their dream home always get confused with their mortgage affordability or their budget. Many estate agents will also want to know if they can get…

One of the most common ways of property purchase is a owning leasehold property. If you buying a property for the first time, it is important to seek help from mortgage brokers and advisors. A skilled and experienced mortgage broker would scan the whole market and get you the best first-time buyer mortgage deals based on your requirements and circumstances. If you are planning to own a leasehold property for the first time, here is a small yet informative guide to buying a le

Are you thinking to move home and have a fixed rate mortgage with Halifax? no need to worry about it. Halifax offers existing borrowers the option to port their current mortgage to a new home. Many…

Deposits often play a decisive role in finalizing a borrower’s decision especially in the case of first-time buyers, mortgage down payments are often highly important and worrisome factors. Mortgage deposit gifts reduce this burden to a great extent, making the process of getting a mortgage a lot easier. If you are facing a financial crunch while getting a mortgage for your property, a mortgage deposit gift from your family members can be a great relief. On the other hand, if

Leasehold Vs Freehold: When it comes to owning a house, there are two major forms of ownership involved – freehold and leasehold. This determines the extent of your ownership of the house you live in. In other words, freehold and leasehold properties determine whether the property (and land) you live in is your own or if you have a landlord for the same.

Has your latest mortgage application been declined by Halifax? We know it can be disappointing but it does not mean that you won’t get the mortgage. Halifax is a major bank on the high street that is…

BM Solutions’ Mortgage Rates for Existing Customers range from 65 % to 75%. However, BM Solution mortgage rates vary for each client. The rates offered by BM are client specific.

Every mortgage borrower thinking of getting a mortgage always has one common question: “how much can I borrow?”

What is an NHS mortgage? NHS mortgage is not a standalone mortgage product. It refers to a situation wherein a mortgage deal is offered to an NHS employee. NHS employees often struggle with hospital rotations, inadequate incomes, salary band restrictions, short contracts, and other relevant issues. NHS mortgages are initiatives to make property purchases easier for these individuals.

Do you Already have a mortgage from Halifax and its current fixed term is coming to end or are you looking for a new mortgage deal? In that case, Remortgaging might be the right option.

A right to buy mortgage is a government mortgage scheme that allows council tenants in the UK to purchase the houses they live in. These properties are often sold at a discount and in many cases, the tenants are not required to pay the deposit as well. Here, the councils let the mortgage borrowers put the discount offered to them towards the purchase price of the property. A right to buy mortgage is subject to the same eligibility criteria that are applicable for a normal mor

Finding a mortgage broker to work on your mortgage or remortgage can really be a difficult and confusing choice, with so many options to choose from, how can you make the best choice for your…

As you know shared ownership property allows you to own a specific percentage of the house. The control you have as a shared owner is limited to your property share. If you want to increase your stake in the property, you can staircase shared ownership. What is staircasing in shared ownership? In shared ownership, staircasing refers to the process of buying more shares in your property to own a greater portion of the property. Depending on the terms of your lease, you are all

Many HSBC clients have a mortgage on a fixed term mortgage on an existing property and don’t know where to start the process of product transfer when it comes to end of the fixed term mortgage.

If you are planning to purchase a new property with a mortgage, it is important to consider the type of home ownership you want to go for. Property ownership involves two major forms of ownership – freehold and leasehold In simple words, freehold property where you own the property and land it on. Leasehold property is where you own the property you live but not a land. Factors worth considering with leasehold property

Yes, you can get a mortgage with a default. In most cases, borrowers with bad credit seek help from mortgage brokers work with specialised lenders. These lenders can offer mortgages to borrowers depending on various circumstances. These circumstances include severity of the default, number of missed payments, time of defaults, and more.

The fast-moving property market of 2026 can seem intimidating, especially if you are a first-time buyer in the UK. This guide will break down some of the most important aspects related to mortgages…

When it comes to home moving, homeowners worry about losing their fixed term mortgage with a lower interest rate. They are not aware of mortgage porting option, which means that their current…

If buying your first property or remortgaging to better rate MariannaFS offer fee free online mortgage service. What is mortgage broker?  In simple words mortgage broker are who acts as middle person between lender and client. Mortgage broker can find and help you to choose right mortgage for your circumstances.

There are many reasons why people choose to remortgage their properties, one of the most common being is home improvements. Home improvements can get quite expensive and demand a lot of money out. Especially if you have growing family extra space is always needed adding a loft or rear, side extension will give a lot more space. How should you remortgage for home improvements? The process of remortgaging for home improvements is the same as carrying out a regular remortgage. Y

A Santander Product Transfer means you change your current mortgage deal onto a new one with Santander. The process is straightforward because you are not changing lenders. It can be a good option…

Purchasing a property through a mortgage is a significant decision that requires careful consideration, especially if you are not a cash buyer. Most of us fund the property purchase via deposit and mortgage. But what can stop you from getting a mortgage? There are several considerations one should keep in mind before going ahead and making the application. As the market is highly in demand and growing property prices, it is advisable to work with a reliable, dedicated, and ex

As the name suggests, a buy-to-let remortgage is a process of remortgaging our buy-to-let property. It involves switching one buy-to-let mortgage deal with another, provided the new deal provides you with more benefits. You may choose to remortgage with the same lender or switch to a new lender based on your requirements. How does buy-to-let remortgage work? Buy-to-let remortgage is like any other conventional remortgage, the only difference being that the property here is a

As the name suggests, a fixed-rate mortgage is a type of mortgage where the rate of interest remains the same for a pre-decided period of time. This period is known as the fixed term of the mortgage. While many lenders offer fixed terms between 2,3 and 5 years, some mortgage lenders stretch it as long as 10 years or more. One of the biggest benefits of getting a fixed-rate mortgage is that your monthly repayments do not change even if the interest rate in the market (and of y

There are many ways of changing the legal ownership of your property without putting it up for sale in the market. You may want to add the name of your partner as a joint owner after getting married. You may want to give your children stakes in your property. You may want to completely transfer the ownership of your property without selling it off. Whatever the case is, you will need to go through the process of transfer of equity if you are willing to change the legal owners

As opposed to a fixed-rate mortgage, a variable rate mortgage is where the interest rate keeps fluctuating over time. Here, your monthly mortgage repayments are not fixed and keep changing as the interest rate of your lender keeps changing. With variable mortgages your monthly payment can go down if the interest rates go down, you may end up paying more interest over time if the rates go up. Applicant should be prepared for both scenarios if thinking of variable rate mortgage

In current times energy and power consumption means a lot to normal household. With increasing cost of gas and electric homeowners preferred properties which retain more energy as opposed to the ones that don’t. To showcase the efficiency of energy consumption by the houses, every house is issued an EPC rating. Let’s understand what EPC is and how does it affect us.

Taking a mortgage for buying a property involves a range of legal considerations to make the process legitimate and smooth. Once you have selected the right property and the right mortgage for purchase, you will need to look after conveyancing for handling the legal matters. What is conveyancing? Conveyancing is the legal process while buying or selling a property that ensures that the ownership of the property is successfully transferred from the seller/owner to the buyer. I

Over time, the importance of sustainable development has increased worldwide. Green mortgages help you take a step toward sustainable living, keeping track of the impact we have on the environment around us. Lenders today prefer giving green mortgages to borrowers to instill a sense of awareness about the depletion of non-renewable resources. Let’s know more about green mortgage. What is a green mortgage?

Offset mortgage is a type of mortgage where your savings or current bank account is linked with your mortgage account. Here, the money you saved is used to offset your mortgage repayments. This savings account linked to your mortgage account is referred to as the “offset account.” One of the biggest reasons why borrowers opt for an offset mortgage is that it helps them cut down the interest to be paid on their mortgage. When you get yourself an offset mortgage, the lender wou

Tenure is a term used for the type of the ownership of the property. There are two major forms of ownership involved – freehold and leasehold. This determines the extent of your ownership of the…

When you apply for a mortgage, the lender values the property to justify the loan amount. Learn when valuation fees apply, typical costs and how to avoid them.

Looking for the latest Mortgage rates accord? Our fee-free mortgage brokers can help you compare the best deals and secure the right mortgage for your needs. Get expert a

BM Solutions mortgage rates for new and existing customers. Expert buy-to-let mortgage advice from MariannaFS — fee-free.

Halifax 2-year and 5-year fixed rate mortgages for first-time buyers, remortgage and home movers. Compare Halifax rates with MariannaFS.

How to get a Halifax mortgage in principle. Benefits, requirements and how MariannaFS can help you get the best deal.

Halifax mortgage rates for remortgage and first time buyer offer competitive mortgage deals. Halifax first time buyer rates and lending criteria makes Halifax one of the

Considering a Halifax product transfer? Our expert guide can explain the process and how to switch to Halifax mortgage to a new deal, saving you time and money.

Compare the latest HSBC mortgage rates for existing customers, first-time buyers and remortgage. Fee-free advice from MariannaFS.

Nationwide Helping Hand mortgage lets first-time buyers borrow up to 5.5x their income with just a 5% deposit. MariannaFS explains how to qualify.

Nationwide offers best mortgage rates to first time buyer and remortgages. We can help you to secure one right for you.

Nationwide offers best remortgage rates for remortgages. We can help you to secure one right for you.

How to get a NatWest mortgage in principle. What is it, what are the benefits and how does it help you buy a home?

Compare the latest NatWest mortgage rates for first-time buyers, remortgage and buy to let. Get fee-free advice from MariannaFS.

Check latest NatWest Remortgage Rates and Delas. We compare the NatWest mortgage best deals and help you find the right mortgage for your needs. Let independent mortgage

Santander 2-year and 5-year fixed rate mortgages for first-time buyers, home movers and remortgage. Compare with MariannaFS.

Skipton Mortgage Deals for Fixed Term on 2 years and 5 years

TMW buy to let mortgage rates are competitive and their lending criteria makes them one of the main buy to let lenders Lets find out which one is right for you.

TMW has a strong share in the buy to let market lending. TMW buy to let mortgage rates are competitive and their lending criteria makes them one of the main buy to let le

Check latest TSB mortgage rates and delas. We compare the TSB mortgage best deals and help you find the right mortgage for your needs. Let independent mortgage advisor's

Virgin Money offers best mortgage rates to first time buyer and remortgages. We can help you to secure one right for you.