Major Financial Services

17/11/2025

Are you planning to get a mortgage soon? 🏡 Your credit score plays a huge role in whether lenders say yes, and using “Buy Now, Pay Later” services can affect this.

Check out our latest blog to find out how your credit habits impact your mortgage chances and tips to keep your score in top shape.

https://www.major-financial.co.uk/post/discover-how-your-credit-score-affects-mortgage-approval-and-interest-rates-and-whether-using-buy-n

10/11/2025

Divorce can significantly impact your mortgage and financial stability. When a property is jointly owned, both parties remain responsible for mortgage repayments, even after separation. Understanding your options - whether refinancing, transferring equity, or selling the property is essential to protect your credit and secure your future.

Our latest article explores how divorce affects your mortgage, practical steps to manage payments, and the legal considerations you should be aware of.

Read more here: https://www.major-financial.co.uk/post/how-divorce-affects-your-mortgage-1

23/10/2025

Good news for first-time buyers! 🏠
Saving for a deposit has always been one of the biggest barriers to home ownership, but lenders are now stepping in to make it easier.

If you’re currently renting and struggling to save, there are new low-deposit and no-deposit mortgage options that could help you get on the property ladder sooner than you think.

Here’s what you need to know 👇

For many first-time buyers, saving for a deposit can feel like an impossible task. Rent, bills, and the rising cost of living can make it difficult to put money aside, even when you’re earning a good income.The good news is that some lenders now offer no-deposit or low-deposit mortgages, designed ...

01/05/2025

🏢 Buying a flat in 2025? Big changes are coming that could affect how you own your home. The government is planning to phase out leasehold for new flats—and bring in commonhold instead.

Find out what this means for you! 🏡

If you’re thinking of buying a flat in England or Wales, there’s one phrase you’ve probably heard a lot: leasehold. But big changes are on the horizon—and they could reshape how flats are bought, sold, and owned in the UK.What Is Leasehold?When you buy a leasehold property, you're essentiall...

08/04/2025

🏡 Thinking about buying your first home but not sure where to start?

From low-deposit mortgages to government schemes like the Lifetime ISA and First Homes, there’s more support out there than you might think!

We’ve put together a clear, simple guide to help first-time buyers navigate the process and explore the options that could make homeownership a reality sooner than expected.

👇 Read the full guide here:
Getting Your First Mortgage: Government Help and Smart Options for First-Time Buyers

Buying your first home is one of life’s biggest milestones—but let’s be honest, it can also feel pretty daunting. Between saving for a deposit, figuring out which mortgage suits you, and keeping up with house price trends, it’s easy to feel overwhelmed.The good news? There are several govern...

26/03/2025

🚨 2025 Spring Statement: What It Means for Mortgages & Homeowners 🚨

The latest Spring Statement brings key updates on interest rates, stamp duty changes, and the housing market—impacting homeowners and buyers alike. 📉🏡

Find out what it means for your mortgage and how to plan ahead! ⬇️

👉https://www.major-financial.co.uk/post/2025-spring-statement-what-it-means-for-mortgages-and-homeowners

20/03/2025

📉 Bank of England Base Rate Update 📉

Good news for homeowners! The BOE has kept the base rate unchanged today, offering some stability in the mortgage market.

✅ For those with variable or tracker mortgages, your payments should remain the same for now.
✅ If you're looking to buy or remortgage, it’s a great time to explore competitive deals!
✅ If you're on a fixed-rate mortgage, keep an eye on the market as your renewal approaches.

💬 Have questions about how this impacts your mortgage? Drop us a message or check out our latest blog for more details!

Today, the Bank of England (BOE) announced that the base rate will remain unchanged. This decision has significant implications for the housing market and mortgage borrowers. Let’s take a closer look at what this means for those with existing mortgages or those looking to secure a new deal.What is...

12/03/2025

Thinking about buying a property? 🏡 Big changes to Stamp Duty are coming in April 2025, and they could cost buyers more. Take a look at our latest blog post to see how it might affect you! 👀👇

What is stamp duty?Stamp duty, or Stamp Duty Land Tax (SDLT), is a government tax which is paid by the buyer of a property, as a lump sum upon completion. It is paid by buyers who are purchasing a property or land over a certain price bracket.The amount of SDLT liability depends on several factors,....

28/02/2025

🏡💡 Do I Need Life Insurance to Buy or Remortgage a Property?

Wondering if life insurance is a must when purchasing or remortgaging your home? While it's not always a legal requirement, it could be a smart way to protect your loved ones and your investment.

Find out what lenders expect and whether life insurance is the right choice for you in my latest blog 👇

When purchasing or remortgaging a property, one of the common questions people ask is whether life insurance is a requirement as part of the mortgage process. While life insurance is not a legal obligation to secure a mortgage, it is highly recommended to ensure your loved ones are financially prote...

24/02/2025

You're in safe hands
Major Financial Services is a family-run mortgage broker based in Sale, South Manchester.

Specialising in residential, commercial and expat mortgages, as well as all types of protection including life, critical illness, income, ASU and home insurance. We provide a wealth of expertise to provide you with professional financial advice.

Every case is different and that’s why we take the time to really understand your needs, to ensure we find you the product that is right for you and your circumstances. This is why we have many happy customers who keep returning year after year.

Get in touch for a Free consultation

Call now to connect with business.

17/02/2025

Planning to buy a home or refinance in 2025? 🏡💭 The big question: will mortgage rates drop? Let’s dive into the factors that could make it happen! 📉👇

There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £395. Lucy Baldwin trading as Major Financial Services is a business partner of LOVEmortgages which is a trading style of 2M Financial Services Ltd is authorised and regulate...

13/02/2025

💡 Looking to move quickly on a property deal? Bridging finance might be the solution you need! 🏡🔑

Whether you're buying a new home before selling your current one, funding renovations, or securing a time-sensitive investment, bridging finance can help you move fast. But how does it actually work, and is it right for you?

👉 Check out our latest blog to discover everything you need to know about bridging finance, including how it works, when to use it, and the pros and cons.!

Read the full blog here:https://www.major-financial.co.uk/blog