Category: Blogs

Being self-employed offers flexibility and independence, but when it comes to applying for a mortgage, the process can feel less straightforward. Many self-employed borrowers worry that irregular income or complex accounts will limit their options. The reality is that self-employed mortgages are very achievable — provided lenders understand your income properly. At Impact Specialist Finance, […]

Whether you’re a first-time buyer or a home mover, getting “mortgage ready” is one of the most important parts of your property journey. With lenders applying increasing scrutiny and criteria becoming more complex, working with an experienced, whole-of-market broker can make all the difference. At Impact Specialist Finance, we guide you through the full process […]

Cryptocurrency has become one of the most talked-about financial topics in recent years. From Bitcoin to a wide range of digital assets, many people hold crypto they might hope to use towards a property deposit. However, turning crypto into a mortgage-ready deposit isn’t straightforward. UK lenders are still navigating this new and rapidly evolving market. […]

Short-term finance, more commonly known as a bridging loan, was originally designed to help homeowners “bridge the gap” between buying a new property and selling their existing one. It provided a quick funding solution when timing didn’t line up – for example, when a buyer needed to complete before their own sale went through. Over […]

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 […]