Buying a brand new home is exciting. The thought of being the first person to live in a sparkling kitchen or a pristine bathroom is a dream for many. But as a mortgage advisor, I see a lot of buyers get caught off guard by the financial twists and turns unique to new builds. If you’re considering a new build, here’s everything you need to know to keep your wallet (and sanity) intact. 1. New Builds Aren’t Like Any Other Home Unlike older homes, new builds come with their own r

Remortgaging can be a smart financial move, whether you’re looking to secure a better interest rate, reduce your monthly payments, or release equity from your home. However, timing and understanding the process are key to making sure switching works in your favour. In this guide, we’ll walk you through the best time to remortgage, how to refinance to a better rate, the costs involved, and the key benefits of switching mortgage lenders. What Is the Best Time to Remortgage? One

Data from the Bank of England shows that UK borrowers are currently favouring two-year fixed-rate deals. In Q2 of this year, half of new mortgages were two-year deals, with only 35% opting for five-year terms. Borrowers are probably hoping to remortgage to a cheaper deal if Bank Rate keeps falling over the next two years. This marks a change in attitude since 2022 - interest rates were beginning to rise, so buyers were hoping to keep mortgage costs low by choosing a five-year

Thinking about buying a home, applying for a loan, or getting a new credit card? Your credit score is a key part of the approval process—but did you know you can check it for free  without hurting your score? In this quick guide, we’ll explain: 🔹 What a credit score is 🔹 Why it matters when applying for a mortgage or loan 🔹 Credit score ratings explained 🔹 How to check your credit score for free 🔹 What to look for on your report 🔹 How your score can affect your financia