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 […]
Buying your first home is an exciting milestone – but when it comes to securing a mortgage, it’s easy to feel overwhelmed by the options, jargon, and paperwork involved. The good news? With the right guidance, getting onto the property ladder can be much more straightforward than it seems. Here’s what you need to know […]
When searching for a mortgage, the sheer number of lenders, interest rates, and loan types can feel overwhelming. This is where a mortgage broker comes in—acting as a trusted intermediary between you and potential lenders to help secure the best mortgage deal tailored to your needs. How a Mortgage Broker Works for You A mortgage […]
Remortgaging can be a great way to secure a better deal on your mortgage, reduce your monthly payments, or even release equity for other financial needs. However, one of the most common questions homeowners ask is: How much can I borrow when I remortgage? In this guide, we’ll break down the key factors that determine your borrowing […]
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