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Mortgage Spotlight
Each month, we look at a different scenario when you might need a mortgage. This month, we look at funding big life milestones…
Hayley & Tom want to use their remortgage to help cover their wedding costs.
A remortgage can sometimes be a more affordable way to borrow for:
💍 Weddings
🎓 Education fees
🚗 Large purchases
💼 Debt consolidation
… and more
We can check affordability, equity, and long-term impact to make sure it was the right choice for you.
If you're facing a big milestone, we can help you explore safe, sensible borrowing options.
UK homebuying shake-up house
Much-overdue and welcome new government reforms aim to make the process faster, cheaper, and more secure.
Up to 4 weeks quicker
~£650 savings for first-time buyers
More digital processes & upfront info
Fewer deals falling through
SOURCE: Financial Reporter
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The six-year wait: first-time buyers save for longer to find homes that suit their lifestyle
Aspiring first-time buyers are now saving for around six years and taking a more long-term approach when choosing a home. Research from Mortgage Advice Bureau shows buyers are prioritising space, energy efficiency and location, often delaying purchases to find a property that better suits future needs.
Nearly half plan to buy a house rather than a flat, with space for a growing family being the main driver. House buyers focus more on space, while flat buyers prioritise location, connectivity and access to amenities, schools and communities.
SOURCE: Mortgage Solutions
Does your business need finance?
Every business is unique, which is why we offer support by referring our clients to our partners for Commercial or 2nd Charge needs. Plus, we provide tailored solutions for Bridging Finance. Whether you're looking to fund a new business venture, refinance an existing property, or need quick access to capital, we've got options for you.
Commercial Finance: Perfect for purchasing or refinancing commercial properties, allowing your business to thrive
2nd Charge Loans: Access additional funds tied up in your property without needing to remortgage. Ideal for home improvements, investments, or consolidating debt
Bridging Finance: Need fast funding? Bridging finance can help you secure a property quickly, ensuring you don't miss out on the perfect investment opportunity.
Our expert team is here to provide the support you need to make informed decisions. Contact us today to explore your financing options. Arrange a free, no-obligation initial consultation
*The FCA does not regulate some forms of Bridging Loan.
Millions are one health shock away from missing mortgage payments
Research by MetLife UK shows many UK mortgage holders are financially vulnerable to illness or injury.
28% have already missed a mortgage payment due to health-related income loss, and 7% have missed payments multiple times.
Younger borrowers are most affected, with 50% of Gen Z mortgage holders reporting missed payments.
High mortgage costs (over £1,000/month) increase financial strain.
Although 71% have savings, these typically cover only about six months, and 20% have no savings at all.
When facing shortfalls, people mainly rely on family (34%) or partners (24%), while few use insurance (17%) or take loans (15%).
10% have no support, and 8% would simply miss payments.
Many regret lack of protection: 9% wish they had cover, 8% wrongly thought they were insured, and others delay thinking about protection or underestimate risks.
A large number of UK homeowners are at risk of missing mortgage payments after health shocks, with limited financial buffers and low use of insurance worsening the problem.
SOURCE: Mortgage Strategy
