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Joint Borrower Sole Proprietor (JBSP) Mortgages Explained A Joint Borrower Sole Proprietor mortgage allows multiple people to be named on the mortgage, but only one person (the sole proprietor) is listed on the property’s title deeds. In this context, a mortgage means...
Gifted Deposit Policy: What Lenders Look For When you’re using a gifted deposit to buy a home, mortgage lenders have strict policies in place to ensure the process is transparent and above board. One of the first things a lender will ask for is a gifted deposit...
Introduction to the Help to Buy Scheme If you’re researching government-backed mortgage schemes, you’ve likely come across the now-closed Help to Buy Equity Loan scheme. This government scheme was designed to make homeownership more accessible. While no longer...
A Complete Guide to Help You Get on the Property Ladder Buying your first home can be both exciting and overwhelming. With rising house prices and high deposit requirements, many first time buyers feel stuck. Fortunately, several government-backed schemes in 2025 are...
Buying your first home is an exciting step but it’s also one of the biggest financial commitments you’ll ever make. The process doesn’t have to be stressful or confusing. By avoiding common mistakes and preparing properly, you can secure your mortgage with confidence...
When you’re looking for a mortgage, whether it’s your first home, a remortgage, or a buy-to-let investment, you’ll likely consider one of two main routes. Going directly to a high street bank or working with a specialist mortgage broker. The process of borrowing for...
Navigating the mortgage world can feel like learning a new language. From APR to Valuation, the terminology can be overwhelming especially if you’re a first-time buyer, self-employed, or applying for a buy-to-let mortgage. To help, here’s an A-Z glossary of common...
Buy-to-Let Remortgages For landlords and property investors, a buy-to-let remortgage offers an opportunity to improve the terms of their mortgage, access additional funds, and optimise rental investments. This comprehensive guide explores what a buy-to-let remortgage...
Buy-to-Let Repayment Mortgages A buy-to-let repayment mortgage can be an attractive option for landlords who wish to secure long-term investment gains and build equity in a rental property. Although many landlords opt for interest-only buy-to-let mortgages, repayment...