BR Needham News

Are you confused between residential and buy-to-let mortgages? Learn the key differences, costs, rental rules and which option is best for your property goals.

Find out whether mortgage lenders will consider your overtime, bonuses and commission when assessing affordability, and what evidence you may need to provide.

Should you remortgage early? Learn the pros, cons, costs, how to plan ahead, and when it makes financial sense to switch your mortgage deal before it ends.

Find out about mortgage options if you’re self-employed. Learn what lenders look for, how much you can borrow, and how to improve your chances of approval.

Mortgage overpayments explained: learn how extra payments can reduce your term, cut interest costs, and help you save thousands over the life of your mortgage.

Learn how to improve your credit score before applying for a mortgage, with practical tips to boost your chances of approval and secure better mortgage rates.

Understand how credit cards can impact your mortgage application, including affordability, credit score, and whether you can remortgage with credit card debt.

Discover the additional costs first-time buyers should budget for when purchasing a home, including deposits, legal fees, surveys and mortgage-related expenses.

Discover the benefits of making mortgage overpayments, including reducing interest, paying off your mortgage sooner and improving your loan-to-value ratio.

Typically, a deposit of between five and ten per cent of the house price is needed before lenders will consider you for a mortgage. Here’s how to save!

If you’re thinking about selling a house, you’ll want it to be sold as quickly as possible and for the best price. Here’s a step by step guide to selling.

Where Are The Best Places To Buy & Sell Houses In The UK In 2026? Planning to sell up and relocate is an exciting thought,

Spring is a fantastic time to think about buying and selling. Here are the main reasons why now’s the time to consider making moves on the property market.

One of the strategies that lenders use when working out mortgage amounts is affordability stress testing. Learn all about this here and how it could affect you.

Here’s why now’s the time to consider investing in short-term rentals, plus find some frequently asked questions about mortgages for holiday let businesses.

Because of unregulated lending in the 80s/90s, lots of equity release myths have emerged about this way of accessing finance. Here are the main ones dispelled.

One of the most important aspects of taking out a mortgage is understanding loan to value ratios. Here’s a quick guide on the subject to help you get started.

Find out about top slicing, where landlords with affordability concerns can use surplus personal income to make up for any shortfalls in rental incomes.

Remortgaging is a way to borrow more money by setting up a new deal with your lender (or a new one) against the value of your property. Here’s how to do it.

The government’s Right to Buy scheme can help council tenants get on the property ladder… but new restrictions are on the horizon. Find out more here.

As a council tenant, you could consider the Right to Buy government scheme, which allows you to apply to buy your house. Here are some FAQs about the scheme.

Interestingly, the time of year can make a big difference to how quickly you find a buyer and autumn is actually one of the best times to sell. Here’s why.

Stamp duty is the tax you need to pay if you buy property or land above a certain price. Learn more about this tax and what it means as a first-time buyer.

Find out more about remortgageing and the potential pitfalls on the blog.

There are lenders out there who will offer you a mortgage based on 12 months’ worth of accounts. Here, you’ll find a quick guide on how to get a mortgage.

It’s not uncommon for FTBs to find buying a house overwhelming, so here’s why it can be useful to enlist the services of a mortgage advisor at the start.

To help you get started, here are five of the more frequently asked questions we hear about remortgaging. If you need any further help, call BR Needham today.

Property investment means you’ll need to take out a buy to let mortgage, the majority of which are interest-only. Find out more about the process on the blog.

To take out a mortgage and to enjoy the best rates, you’ll need to have a good credit score backing you up. Here’s what to do if you have a poor credit rating.

No-deposit mortgages have just started slowly re-entering the market again. Find out more about these financial products and how you could benefit on the blog.

What you need to prepare for when buying a house is how long the process takes from start to finish. Find out more about the process over on the blog now.

Here’s a step-by-step guide to buying a house that can serve as a checklist against what you need to do to cross the finish line and exchange contracts quickly.

Buying a house is exciting but also potentially challenging and stressful, so it’s important to know what the process involves. Find out more on the blog.

Seafarers have complicated mortgage requirements because they spend so much time working away from the UK, and they need a bespoke broker that understands this.

Homeowners who come into spare money should consider overpaying on their mortgage, as it can help them save tens of thousands of pounds on their home loan.

To help you find the right holiday let for you, here are some of the key considerations to bear in mind. Find six tips for property investment on the blog now.

If you are struggling with your credit score, bad credit is not the barrier to getting a mortgage that you might expect, but its causes might surprise you.

Here are some tips for homeowners with a fixed-rate mortgage who might be worried they will not be able to afford their monthly fees when their loan term ends.

There are seafarer mortgages available to help you climb the property ladder, even if you’re away from UK shores for more than half the year. See more here.