Creative Capital: The Smart Buyer’s Guide to Property Financing

Creative Capital: The Smart Buyer’s Guide to Property Financing

Paul Welch
Paul Welch
May 6, 2025
In today’s complex property market, understanding how to fund your purchase goes far beyond simply applying for a standard mortgage. The most successful buyers—particularly those acquiring premium properties—leverage sophisticated financing strategies that extend well beyond the conventional approach of combining a deposit with a high-street mortgage. Having facilitated over £4.2 billion in property financing throughout […]
The Long and Short of It: Making Sense of Mortgage Term Selection

The Long and Short of It: Making Sense of Mortgage Term Selection

Paul Welch
Paul Welch
May 5, 2025
When embarking on your property journey, few decisions will impact your financial future as significantly as selecting the right mortgage term. Yet, amid the excitement of property viewings and negotiating purchase prices, many borrowers give insufficient attention to this crucial aspect of their mortgage. Understanding what are mortgage terms and how do they work is […]
Two or Five? The Mortgage Term Decision That Shapes Your Financial Future

Two or Five? The Mortgage Term Decision That Shapes Your Financial Future

Paul Welch
Paul Welch
May 5, 2025
The question “should I get a 2 or 5-year fixed rate mortgage?” is one I’m asked almost daily by clients. It’s a decision that seems straightforward on the surface but has significant implications for your financial flexibility, long-term security, and overall property costs. The difference between these two popular fixed terms can potentially save—or cost—you […]
When Lenders Say No: How Mortgage Brokers Find Your Path to Yes?

When Lenders Say No: How Mortgage Brokers Find Your Path to Yes?

Paul Welch
Paul Welch
May 3, 2025
The dreaded mortgage rejection—that moment when your property dreams seem to crash against the harsh reality of lender criteria. If you’ve recently experienced a mortgage decline, you might be feeling a mix of frustration, confusion, and uncertainty about your next steps. But here’s what most people don’t realize: a mortgage rejection is rarely the end […]
Breaking the 4.5x Barrier: How Much You Can Really Borrow With a Mortgage

Breaking the 4.5x Barrier: How Much You Can Really Borrow With a Mortgage

Paul Welch
Paul Welch
May 3, 2025
The question “how much can I borrow with a mortgage?” is far more complex than most people realize. If you’ve used online mortgage calculators or spoken with high-street lenders, you’ve likely been quoted a figure based on a simple income multiple—typically 4.5-5 times your annual salary. But is this really the limit of your borrowing […]
From Applicant to Approved: How Mortgage Lenders Guide You to Success

From Applicant to Approved: How Mortgage Lenders Guide You to Success

Paul Welch
Paul Welch
May 2, 2025
The mortgage interview—or application meeting—often feels like a high-stakes interrogation for many borrowers. You’re worried about saying the wrong thing, missing crucial documentation, or somehow sabotaging your chances of securing your dream home. But here’s what most people don’t realize: your mortgage lender isn’t there to catch you out or find reasons to decline your […]
Showing 139 to 144 of 298 results
Showing 139 to 144 of 298 results

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