Category: Blogs

Many homeowners choose a fixed-rate mortgage for peace of mind, knowing their repayments won’t change for a set period. But when your fixed term comes to an end, it can feel like a pivotal moment. Suddenly, your mortgage may revert to your lender’s standard variable rate (SVR), which is often higher. Acting early and understanding […]

When applying for a mortgage, your credit score can play a big role in what products are available and at what rates. But with so much misinformation out there, it’s easy to fall into traps that could harm your chances of securing the best deal. Let’s clear up some of the most common credit score […]

For many people, the dream home isn’t found ready-made. It might be a dated house with huge potential, a fixer-upper bought at auction, or a property that needs a complete overhaul. Renovating or refurbishing can be a smart way to create the home you want, while also adding value. But here’s the challenge: standard mortgages […]

When the Bank of England (BoE) changes its base interest rate, it often makes headlines, and you might expect your mortgage rate to change right away. But the truth is, not all lenders pass on those changes immediately or in full. Here’s why a base rate rise or cut doesn’t always mean your mortgage payments […]

When it comes to getting a mortgage, misinformation is everywhere. Whether you’re a first-time buyer, self-employed, or remortgaging, believing these common myths could be holding you back – or costing you money. At Impact Specialist Finance, we’re here to set the record straight and help you make informed choices. Here are five mortgage myths we […]

Getting a mortgage can feel like an uphill climb when your income doesn’t follow the typical PAYE pattern. Whether you’re a contractor, freelancer, limited company director or juggling multiple income streams, many high street lenders may not fully understand your circumstances. At Impact Specialist Finance, we specialise in helping clients with complex income secure the […]

Is It Time to Revisit Your Buy-to-Let Portfolio? Why landlords are turning to specialist finance for smarter solutions With rising mortgage costs, new regulations, and changing tenant demands, 2025 has been a year of change for landlords. Many investors are finding that their buy-to-let (BTL) portfolios need a fresh look – whether that’s refinancing, restructuring, […]

For many UK homeowners, learning how to pay off your mortgage early is a key financial goal. Becoming mortgage-free can bring peace of mind, reduce your financial burden, and give you more control over your future. If you already have a mortgage and are now focused on paying it off sooner, the good news is […]

With house prices remaining high and mortgage affordability rules tighter than ever, many first-time buyers are turning to the ‘Bank of Mum and Dad’ to help them onto the property ladder. In fact, family support has become one of the biggest sources of first-time buyer deposits in the UK. But how exactly can parents help? […]

One of the most common myths in the mortgage world is that being self-employed makes it almost impossible to get a mortgage. But the truth? It’s simply not the case. Yes, the process can be a little different – but if you’ve got the right paperwork and a good mortgage broker in your corner, being […]