Some of these articles might be useful. Others might just pass the time while your kettle boils. Either way, don’t take financial advice from a bloke with a blog — speak to someone qualified (ideally with insurance… and a desk).
June 30, 2025
The FCA is reviewing UK mortgage rules to improve access for first-time buyers, older borrowers, and the self-employed. Key topics include lending flexibility, affordability checks, and later-life borrowing. Change may be coming—slowly.
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April 1, 2025
Do mortgage lenders all use the same mortgage affordability assessment? This is a question from someone who was recently refused a mortgage by a lender.
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March 17, 2025
When is the right time to switch rates on a mortgage? That is the question that I have had by email. Unfortunately, there is no really simple answer, but you can decide what's best for you at any point in time.
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October 25, 2024
A question recently received poses an interesting quandary about whether to use bonus payments to reduce a mortgage or top up a pension.
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August 9, 2023
What are the downsides of being a co-borrower on a mortgage with you child. Is it advisable? That's a question posed by a visitor who understands the obvious risks but wanted another opinion.
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July 4, 2023
If you thought it was bad enough that the average 5-year fixed rate mortgage to now be an average of 6%, the unfortunate follow-on from that is that I don't think it's reached the point where we can say the worst it over.
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