J Finance Ltd

04/08/2026

Mortgage Rate Volatility: Act Now or Wait? We discuss the current volatility in mortgage rates, explaining how they are influenced by long-term markets and global events like the Middle East. We advise locking in a rate when you apply to protect against increases, while still being able to benefit if rates improve later.

31/07/2026

A clear comparison of fixed, tracker, and variable mortgage types - how they work, the advantages of each, and how to choose. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

A clear comparison of fixed, tracker, and variable mortgage types - how they work, the advantages of each, and how to choose.

30/07/2026

How Do Lenders Assess Self-Employed Income?
We talk about how self-employed income is evaluated differently from a regular wage. Lenders may average recent years, focus on the latest figures, or consider projected income, depending on the stability and structure of your earnings. We emphasize keeping your accounts tidy to present a clear picture of your income.

27/07/2026

Do I need a bigger deposit if I have bad credit? We talk about how having bad credit doesn’t automatically require a large deposit to buy a house, and how different lenders have different criteria, so it’s worth asking now instead of waiting.

24/07/2026

23/07/2026

How do debts impact affordability for a first time buyer?
We talk about how people often think income and debts like car finance ruin mortgage chances, but lenders vary in their approach. We explain that lenders focus on affordability even if rates rise, and with full context, it’s less scary.

21/07/2026

How do lenders calculate affordability for a buy to let mortgage?
We talk about how buy-to-let mortgages focus more on rental income than personal salary, with lenders stress-testing rent to cover payments, and how some lenders don’t require personal income details.

20/07/2026

Mortgage Rates on the Rise: What It Means for You. We talk about an increase in mortgage rates, explaining that most lenders are raising rates by around 0.2%. We provide context by breaking down the impact: for every £100,000 borrowed on a 25-year term, a 0.25% rate increase adds about £15 per month. We clarify that this affects new applications, not existing fixed-rate deals, and advise viewers to act quickly if they have an application in progress.

16/07/2026

One Year of Trading? You Can Still Get a Mortgage
We talk about how you don’t necessarily need two or three years of trading history to get a mortgage, especially if you’ve had a good year. We know which lenders to approach to consider the average or the latest figures to get you the best result, so don’t count yourself out if your bank has said no.

16/07/2026

The evidence on which UK home improvements add the most value: loft conversions, extensions, kitchens, bathrooms and which to avoid. https://www.jfinance.co.uk/edhub/home-improvements
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The evidence on which UK home improvements add the most value - loft conversions, extensions, kitchens, bathrooms - and which to avoid