19 articles tagged with Mortgages.
What the Mortgage Charter commitments mean for UK mortgage borrowers struggling with repayments in 2026 — payment holidays, term extensions and protection from forced repossession.
When one link in a property chain collapses, bridging finance can let the rest of the chain complete. How chain-break bridging works, typical costs, and the exit strategy lenders require.
Properties sold with a tenant already in place can be cheaper and generate immediate rental income, but come with specific mortgage, tenancy and Renters' Rights Bill considerations.
Homes built with RAAC, PRC concrete or non-standard steel/timber frames can be far harder to mortgage. Which construction types raise lender red flags and what to do about it.
A Decision in Principle and a full mortgage offer are not the same thing. What each stage checks, how long they take, and why an AIP is not a guarantee of lending.
A down valuation means the lender's surveyor thinks the property is worth less than you agreed to pay. Why it happens and your realistic options to keep the purchase alive.
A flying freehold occurs when part of your property overhangs or is supported by a neighbour's land, creating maintenance obligations lenders worry about. What it means for getting a mortgage.
A further advance from your existing lender and a full remortgage both release equity for home improvements, but they work very differently. Costs, speed and rate risk compared.
Gifting a deposit to a family member requires a formal gifted deposit letter for the lender, and can have Inheritance Tax implications for the donor if they don't survive seven years.
Later-life lending covers everything from standard mortgages that run past retirement age to Retirement Interest-Only mortgages and equity release. How the options compare.
Lenders deduct committed childcare costs in full from your income before calculating what you can borrow. How this catches parents out, and what to do about it.
Missing mortgage payments doesn't mean immediate repossession. What lenders must do first, the realistic options available, and how the FCA's rules protect struggling borrowers.
