BR Needham News

Should you remortgage or stay with your current lender? Discover what to consider when comparing mortgage rates, fees, and how a mortgage advisor can help.

How do mortgage lenders decide how much you can borrow? Discover how income, outgoings, credit history, deposit and affordability can affect your mortgage.

Planning a house move before Christmas? Discover what to do first, from reviewing your mortgage and budget to preparing your home and arranging protection.

Buying a house with a mortgage? Find out which insurance policies you may need, including buildings, contents, life, critical illness and income protection.

Are you a home mover with a current mortgage? Find out about how to port your mortgage, early repayment charges, additional borrowing and arranging a new deal.

Need to get a mortgage after a job change? Find out how lenders assess new employment, probation periods, income and affordability, and how a broker can help.

Learn when to start looking for a new mortgage deal before your fixed rate ends, the benefits of remortgaging early, and how a mortgage broker can help you.

Can you get a mortgage or remortgage with credit card debt? Learn how lenders assess your finances and credit use, and how to improve your chances of approval.

Wondering if a student loan affects your mortgage prospects? Find out how lenders assess student loan repayments and what it means for your borrowing potential.

Discover what happens during the remortgage process with our step-by-step guide. Learn how to prepare, what to expect and how a local mortgage broker can help.

Learn the essential mortgage terms every UK homebuyer should know. Our at-a-glance glossary explains key mortgage terminology to help you buy with confidence.

Does saving more than a 10 per cent deposit improve your mortgage options? Learn how larger deposits can affect loan-to-value ratios, rates and lender choice.

Can home improvements help when remortgaging? Learn how certain renovations may affect your property’s value, loan-to-value ratio and further mortgage options.

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.