Sterling & Law Gloucester

Sterling & Law Gloucester Sterling & Law Gloucester is an Independent Financial Services company specialising in Mortgages and Protection Policies.

Living in Dubai and thinking about buying property in the UK? Being based overseas does not automatically mean you canno...
08/09/2026

Living in Dubai and thinking about buying property in the UK?

Being based overseas does not automatically mean you cannot get a UK mortgage—but the lenders available and the checks involved may be different.

A lender may consider:

• Where you live and work
• Your employment and income
• The currency you are paid in
• The size and source of your deposit
• Your UK credit history
• Your existing financial commitments
• Whether the property will be your home or a buy-to-let investment

Every lender has its own criteria, so getting advice before making an application can help you understand which options may be available.

Sterling & Law can help UK expats in Dubai explore suitable mortgage options for buying property back in the UK.

Is your fixed-rate mortgage coming to an end?Three things to check:1. Confirm the exact date your current deal finishes....
31/08/2026

Is your fixed-rate mortgage coming to an end?

Three things to check:

1. Confirm the exact date your current deal finishes.

2. Check whether any early repayment charge applies before that date.

3. Start reviewing your options early, rather than waiting until you move onto your lender’s standard variable rate.

Starting early doesn’t mean you have to change immediately. It simply gives you more time to compare your options and plan your next step.

Save this post for later—or contact Sterling & Law for personalised advice.

Could you save money by remortgaging?Possibly—but the answer depends on more than the new interest rate.Before changing ...
27/08/2026

Could you save money by remortgaging?

Possibly—but the answer depends on more than the new interest rate.

Before changing your mortgage, consider:

• Your current deal and remaining term
• Any early repayment charges
• Product and arrangement fees
• Your current loan-to-value
• Whether your circumstances have changed

Starting the conversation before your current deal ends gives you time to understand the available options without making a rushed decision.

Contact Sterling & Law if you’d like help reviewing your mortgage.

The next Bank of England interest-rate decision is due on 17 September—but should you wait before reviewing your mortgag...
24/08/2026

The next Bank of England interest-rate decision is due on 17 September—but should you wait before reviewing your mortgage?

The current Bank Rate is 3.75%. At its next meeting, the Bank of England could raise it, reduce it or keep it unchanged.

If you’re buying, moving home or approaching the end of your current mortgage deal, you don’t necessarily need to wait to understand the options currently available to you.

Speak to Sterling & Law for clear, personalised mortgage advice.

Fixed rate or tracker mortgage: what’s the difference?Choosing a mortgage is not only about borrowing.It is also about u...
02/07/2026

Fixed rate or tracker mortgage: what’s the difference?

Choosing a mortgage is not only about borrowing.

It is also about understanding how repayments could change over time.

Two of the most common mortgage structures are fixed-rate and tracker mortgages.

A fixed-rate mortgage:

Keeps payments stable for a set period
Can help with budgeting consistency
May provide reassurance during changing interest rate conditions
Usually includes early repayment charges during the fixed term

A tracker mortgage:

Moves in line with an external interest rate
Often, the Bank of England base rate
Payments may rise or fall over time
Can sometimes offer greater flexibility
May suit buyers comfortable with changing monthly costs

Neither option is automatically better.

The right choice often depends on budgeting preferences, future plans and attitude towards repayment changes.

Many buyers value stability.

Others prefer flexibility or different product structures depending on market conditions.

Buying a property?

Send us a message to see if we can help.

How much deposit do first-time buyers really need?Many first-time buyers assume they need a very large deposit before th...
30/06/2026

How much deposit do first-time buyers really need?

Many first-time buyers assume they need a very large deposit before they can even begin looking at properties.

That is not always the case.

Q: What is the minimum deposit most lenders require?
A: Some lenders may consider applications with deposits starting from 5%, although availability and criteria can vary depending on affordability and credit history.

Q: Does a larger deposit make a difference?
A: In many cases, yes. Larger deposits may improve mortgage options, reduce interest rates and increase lender flexibility during affordability assessments.

Q: Can gifted deposits be used?
A: Often, yes. Some buyers receive support from parents or family members, although lenders will usually require documentation confirming the source of funds.

Q: Are there other costs beyond the deposit?
A: Buyers should also budget for legal fees, surveys, moving costs and potential stamp duty depending on the property purchase and eligibility rules.

Q: Should buyers wait until they have a bigger deposit?
A: That depends on personal circumstances, affordability and market conditions. Some buyers prefer waiting longer, while others begin exploring options earlier.

First-time buyer?

Looking to get on the ladder?

Send us a message to see if we could help.

What does an independent mortgage adviser actually do?Most people understand what a bank does.Fewer people fully underst...
29/06/2026

What does an independent mortgage adviser actually do?

Most people understand what a bank does.

Fewer people fully understand what an independent mortgage adviser actually does day to day.

An adviser’s role is often broader than simply sourcing a mortgage rate.

They may help clients:

Understand borrowing capacity
Compare mortgage structures
Review lender criteria
Prepare supporting documents
Navigate affordability checks
Manage the application process

Different lenders can assess applications very differently.

That becomes particularly relevant for:

Self-employed applicants
Buyers with multiple income sources
Landlords and property investors
Clients planning future borrowing

A mortgage adviser also helps explain the trade-offs between products.

Lower rates do not always mean greater flexibility later on.

For many buyers, the value is having someone translate a complex process into clearer decisions and manageable steps.

Looking for a mortgage?

Send us a message to see where we could help.

Is it worth paying for mortgage advice?People often ask whether mortgage advice is worth the cost.The answer depends on ...
27/06/2026

Is it worth paying for mortgage advice?

People often ask whether mortgage advice is worth the cost.

The answer depends on what support someone needs and how straightforward their circumstances are.

Q: What does a mortgage adviser actually help with?
A: Advisers may compare lenders, explain mortgage structures, manage paperwork and identify potential issues before an application is submitted.
That can help buyers feel more prepared throughout the process.

Q: Can I not just go directly to my bank?
A: You can. Many buyers do. However, banks usually only discuss their own products, while independent advisers may compare options across a broader range of lenders.

Q: Is mortgage advice only useful for complex situations?
A: Not necessarily. First-time buyers often value guidance and reassurance, while clients with more complex income may benefit from wider lender comparisons and criteria knowledge.

Q: Does advice guarantee mortgage approval?
A: No. Mortgage approval always depends on lender assessment, affordability and criteria. Advice may help applicants prepare more effectively, but it cannot guarantee outcomes.

Q: Why do some buyers still choose advice?
A: Many people prefer having someone guide them through a major financial decision, particularly when comparing rates, lender criteria and long-term affordability considerations.

Looking for a mortgage?

Send us a message to see if we can help.

The benefits of getting mortgage adviceA mortgage search often starts with familiarity.For many buyers, that means speak...
26/06/2026

The benefits of getting mortgage advice

A mortgage search often starts with familiarity.

For many buyers, that means speaking with their own bank first.

Still, a growing number of buyers prefer independent advice before making decisions around borrowing, affordability and lender choice.

A bank can usually only discuss its own products.

An independent adviser may compare lenders across a wider part of the market and explain how criteria can differ between providers.

That can matter when:

Income is structured differently
Buyers are self-employed
Deposits are smaller
Future property plans are important
Flexibility matters more than headline rates

Good mortgage advice is rarely just about finding a deal quickly.

In many cases, buyers simply want clearer guidance before making a long-term financial commitment.

Looking for a mortgage?

Send us a message to start the conversation.

Wishing everyone celebrating a peaceful and joyful end to Ramadan.Eid Mubarak to you and your loved ones. May it bring h...
20/03/2026

Wishing everyone celebrating a peaceful and joyful end to Ramadan.

Eid Mubarak to you and your loved ones.

May it bring health, happiness, and fresh beginnings.

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2 Longsmith Street
Gloucester
GL12HH

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Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm

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