How Missed Payments Affect Your Mortgage Options Missed payments can stay on your credit file for up to six years, but this doesn’t mean you’re without choices. More Info: tinyurl.com/rzuzztx7

Fallen Behind on Your Mortgage? There Are Steps You Can Take A missed payment doesn’t automatically stop you from getting options. More Info: tinyurl.com/4nes4jtb

New figures show that 1.2 million people expect to be in a position to buy their first home within the next 12 months, with millions more aiming to buy in the next few years. More Info: tinyurl.com/d42a4vpp

A CCJ doesn’t automatically stop you from getting a mortgage. Lenders look at the full picture, including how old the CCJ is, your credit report as a whole, your income, your deposit and the property you’re aiming for. More Info: tinyurl.com/nshvzxpp

Thinking of moving in the New Year? Start earlier than you think! If a move is on your radar for early next year, the groundwork often starts weeks earlier than people realise. More Info: tinyurl.com/4awe8u4r

Christmas spending and mortgage affordability December spending can creep up quickly. Short term credit, BNPL and overdrafts can all affect affordability assessments if left unmanaged. More Info: tinyurl.com/2j4zmutr

Remortgaging in 2026? Don’t Wait Until the Last Minute If your current mortgage deal ends in 2026, it’s worth reviewing your options well before the end date. More Info: tinyurl.com/3syyddpn

Mortgage Jargon Explained: The Basics When you start looking into a mortgage, the language can feel overwhelming. More Info: tinyurl.com/yechc4v5 As a mortgage is secured against your property, it could be repossessed if you do not keep up the mortgage repayments

Agreement in Principle (AIP) Explained An Agreement in Principle is often the first step for first-time buyers. More Info: tinyurl.com/b4n94mw8 As a mortgage is secured against your property, it could be repossessed if you do not keep up the mortgage repayments

Early Repayment Charges (ERCs) An Early Repayment Charge is a fee some lenders apply if you change or repay your mortgage during a fixed or discounted period. More Info: tinyurl.com/4bvt43pz

Freehold vs Leasehold Freehold and leasehold sound similar, but they’re very different. More Info: tinyurl.com/2erc7sbp As a mortgage is secured against your property, it could be repossessed if you do not keep up the mortgage repayments

Mortgage Term vs Fixed Rate Term These are often confused. More Info: tinyurl.com/3jxeycec As a mortgage is secured against your property, it could be repossessed if you do not keep up the mortgage repayments

Mortgage Fees Explained It’s not just the interest rate that matters. When taking a mortgage, there can be a few different costs involved. More Info: tinyurl.com/yep8f72h

Exchange vs Completion: What’s the Difference? These two dates mean very different things. More Info: tinyurl.com/34bpxp49 As a mortgage is secured against your property, it could be repossessed if you do not keep up the mortgage repayments

Mortgage Myth: You Can’t Get a Mortgage While on Probation Being on probation doesn’t automatically rule you out of getting a mortgage. More Info: tinyurl.com/mzuz3y35

Mortgage Myth: Self-Employed Means Higher Rates Being self-employed doesn’t automatically mean you’ll pay a higher interest rate. More Info: tinyurl.com/yyh868kr

What Is a Product Transfer? A product transfer is when you switch to a new mortgage rate with your current lender, without moving to a new lender. More Info: tinyurl.com/85up2jeu

Why Lenders Care About Your Bank Statements When you apply for a mortgage, lenders will usually ask to see recent bank statements. More Info: tinyurl.com/4rbfu4dh

What Is a Mortgage Valuation (and What It Isn’t)? A mortgage valuation is carried out for the lender, not the buyer. More Info: tinyurl.com/mvjnerap As a mortgage is secured against your property, it could be repossessed if you do not keep up the mortgage repayments

What Does “Porting a Mortgage” Mean? Porting a mortgage means transferring your existing mortgage deal to a new property when you move home. In simple terms, you keep your current rate and product, subject to lender approval. More Info: tinyurl.com/2crras9x