Lucy Baldwin

Can using Buy Now, Pay Later harm your credit score? Discover how your credit history affects mortgage approval, interest rates, and loan amounts, and learn tips to improve your credit before applying. When you apply for a mortgage, lenders don’t just look at your income and deposit; they also review your credit score. Your credit history shows lenders how reliable you are with borrowing, and it can significantly influence whether you’re approved, the interest rate you receive, and the size...

Sometimes, buying a property doesn’t fit neatly into a standard mortgage timeline. That’s where bridging finance or a bridging loan can come in. These short-term property loans are designed to “bridge the gap” between needing immediate funds and securing long-term financing. Whether you’re buying your first home, investing in property, or renovating before selling, bridging finance for property can provide the flexibility you need. What Is Bridging Finance? A bridging loan is a short-term...

Buying your first home is one of life’s biggest milestones, but it can also feel like one of the most daunting. Between saving for a deposit, understanding how much you can borrow, and navigating the process of applying for a mortgage, it’s easy to feel overwhelmed. The good news? There are now more first-time buyer mortgages than ever before, designed to make buying your first home more achievable. Whether you need a low deposit mortgage, help from family, or extra flexibility on repayments,...