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3 things that quietly boost your credit score before you applyLenders love a tidy credit file. Three easy wins: 1) Get o...
09/06/2026

3 things that quietly boost your credit score before you apply

Lenders love a tidy credit file. Three easy wins: 1) Get on the electoral roll at your current address. 2) Pay every bill on time — even £5 to a phone contract counts. 3) Avoid applying for new credit in the 3–6 months before your mortgage application. Small habits, big impact.

Save this post so you don’t forget! Check your credit score here:

https://homemortgagebrokers.co.uk/check-my-file/



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

Fixed vs Variable rate — what’s the difference?Fixed rate: your monthly payment stays the same for a set period (usually...
08/06/2026

Fixed vs Variable rate — what’s the difference?

Fixed rate: your monthly payment stays the same for a set period (usually 2, 3 or 5 years).

Predictable and great for budgeting. Variable rate: your payment can go up or down with the Bank of England base rate. Potentially cheaper, but harder to plan around. Most first-time buyers go fixed for peace of mind — but the right choice depends on you.

Want help working out which suits your situation? Send us a DM.



https://homemortgagebrokers.co.uk/contact/

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

How much deposit do I actually need?The short answer: most UK lenders want at least 5% of the property price. So on a £2...
07/06/2026

How much deposit do I actually need?

The short answer: most UK lenders want at least 5% of the property price. So on a £250,000 home, that’s £12,500. But here’s the secret — the bigger your deposit, the better your interest rate. Jumping from 5% to 10% can save you thousands over the term. Saving feels slow, but every £1,000 makes a difference.

There are options for First Time Buyers with 0% deposit or £5,000 - rules apply.

Please contact us if you have more questions.

https://homemortgagebrokers.co.uk/contact/



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

New here? Welcome to your friendly UK mortgage corner!Buying a home, remortgaging, or just curious about how it all work...
06/06/2026

New here? Welcome to your friendly UK mortgage corner!

Buying a home, remortgaging, or just curious about how it all works? You’re in the right place. Over the next 2 weeks we’re sharing bite-sized tips, plain-English answers and first-time buyer guidance — no jargon, no pressure.

Hit follow so you don’t miss a thing.

Call us if you’re hoping to buy this year - 0204 577 0009

www.homemortgagebrokers.co.uk

🏚️ Looking to refurbish a Buy to Let property?Some lenders offer refurb-to-let options that are designed for experienced...
04/06/2026

🏚️ Looking to refurbish a Buy to Let property?

Some lenders offer refurb-to-let options that are designed for experienced landlords looking to update or improve investment properties and add value, with flexible options available and the ability to apply for a follow-on ‘standard’ Buy to Let product rate afterwards 👇

I work with lenders who allow:
✔ Up to 6 months available for refurbishment works
✔ Option to secure a longer term fixed rate afterwards
✔ No exit fees or early repayment charges
✔ Faster legal process with Title Insurance available

This can also support:
🏠 Converting a standard property into an HMO (up to 6 occupants)

One of the biggest advantages?
Your refurbishment and Buy to Let applications can be reviewed together by the same underwriter — helping create a smoother process, quicker turnaround times and a clear exit strategy from the outset 💡

📩 Message me to discuss your refurbishment plans and available options.

www.homemortgagebrokers.co.uk

0204 577 0009



Subject to full mortgage application and product range.

Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

02/06/2026

Are you a CIS subcontractor? You CAN get a mortgage.
Thousands of construction workers on the Construction Industry Scheme don't realise their income counts toward a mortgage — even without payslips like an employed worker.

CIS workers are self-employed or limited company directors
Standard lenders often don't understand CIS income
Specialist lenders and brokers do — and they can help

www.homemortgagebrokers.co.uk

02/06/2026

Are you a CIS subcontractor? You CAN get a mortgage. 🏠
Thousands of construction workers on the Construction Industry Scheme don't realise their income counts toward a mortgage — even without payslips like an employed worker.

CIS workers are self-employed or limited company directors
Standard lenders often don't understand CIS income
Specialist lenders and brokers do — and they can help

www.homemortgagebrokers.co.uk

𝗝𝗮𝗿𝗴𝗼𝗻 𝗕𝘂𝘀𝘁𝗲𝗿: 𝗣𝗿𝗼𝗱𝘂𝗰𝘁 𝗧𝗿𝗮𝗻𝘀𝗳𝗲𝗿𝘀A product transfer is when you move from your existing mortgage deal to a new one with y...
30/05/2026

𝗝𝗮𝗿𝗴𝗼𝗻 𝗕𝘂𝘀𝘁𝗲𝗿: 𝗣𝗿𝗼𝗱𝘂𝗰𝘁 𝗧𝗿𝗮𝗻𝘀𝗳𝗲𝗿𝘀

A product transfer is when you move from your existing mortgage deal to a new one with your current lender. It is often a straightforward process and can be a suitable solution for many homeowners, but it is not always the best option available.
Even if your current lender offers you a new deal, it is still important to review the wider mortgage market. Other lenders may offer more competitive rates, lower overall costs, greater flexibility, or products that better suit your future plans.

A mortgage adviser can compare your existing lender's offer against the wider market, explain the costs and benefits of each option, and help ensure you make an informed decision based on your individual circumstances and goals.

Speak to one of our team today to find out whether a product transfer or a remortgage could be the right choice for you.

www.homemortgagebrokers.co.uk

0204 577 0009

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

Had an interest-only mortgage for years and now the end date is creeping up? Feeling unsure about what happens next?You’...
25/05/2026

Had an interest-only mortgage for years and now the end date is creeping up? Feeling unsure about what happens next?

You’re not alone. Many homeowners are finding themselves in a position where their current lender won’t extend the term, or they’re worried about how the balance will be repaid. 🏡

The good news is there may still be options available. We have lenders on panel that can accept a wide range of repayment strategies, such as savings or pensions, and in some cases don’t require as high a level of equity in the property as lenders once used to.

If your interest-only mortgage is coming to an end and you’re starting to panic, don’t sit with the stress alone, speak to us and let’s look at your options together.



Subject to full mortgage application and product range.

https://homemortgagebrokers.co.uk/contact/

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

NatWest has increased its maximum loan-to-income ratio to 6.5x for joint borrowers earning over £150,000, marking the le...
21/05/2026

NatWest has increased its maximum loan-to-income ratio to 6.5x for joint borrowers earning over £150,000, marking the lender's fourth LTI adjustment this year. NatWest has raised its maximum loan-to-income ratio to 6.5x for joint borrowers earning over £150,000, in what the lender confirmed to brokers by email today. The change is its fourth LTI adjustment this year and extends borrowing capacity for higher earners seeking larger mortgage loans. The upper loan-to-value limit for those borrowing at the maximum 6.5x multiple is restricted to 75%. The move positions NatWest alongside HSBC, which also lends up to 6.5 times income. Teachers Building Society and April Mortgages go further still, offering up to seven times salary for eligible borrowers. Nationwide and Barclays lend up to six times income, while Halifax, TSB and Santander cap their maximum at 5.5 times.

www.homemortgagebrokers.co.uk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Address

71-75 Shelton Street
London
WC2H9JQ

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 2pm

Telephone

+442045770009

Website

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