Category: Blogs

Embarking on the journey of owning and managing holiday lets presents an exciting opportunity for individuals seeking to enter the world of short-term property rentals. In this guide, we’ll take you through a step-by-step approach on how to purchase a holiday let property, secure insurance, find the right mortgage using reputable brokers like Impact Specialist […]

When applying for a mortgage, your credit score is one of the most important measures of your financial health. It tells lenders how responsibly you use credit. The better your score, the easier it is to be approved for new loans, as well as to successfully get a mortgage. Factors That Affect Your Credit Score […]

If you own your own home, you will want to protect it, and your belongings, with buildings and contents insurance. You’ll need to have buildings insurance in place to ensure you can pay for any necessary repairs, should your home suffer any damage. Depending on your lender and your circumstances, buildings insurance is usually a […]

Writing a Will or updating an existing one should be considered whenever there is a significant life event. You may want to review your Will when you have a child, when you get married, when you retire or when you purchase a property. For many people, buying a house is likely to be the biggest […]

Protection insurance is a crucial safety net for consumers, offering financial security and peace of mind in the face of life’s uncertainties. From unexpected illnesses to unfortunate accidents, protection insurance provides a range of options designed to safeguard individuals and their families. Here are some key types of protection insurance to consider: Whole of Life […]

In a world where financial stability plays a pivotal role in our lives, your credit history holds immense significance. It can be the key to unlocking opportunities, such as securing a mortgage for your dream home. However, what happens when your credit history is tarnished with blips and blemishes? Does that mean you can never […]

This is a challenging period for individuals considering property investments for rental purposes. With rising mortgage rates, less favourable tax conditions, and stricter regulations, the financial calculations are no longer as enticing for many prospective landlords. While the demand for rental properties remains high, it’s premature to write off the market entirely; it still shows […]

It’s been two years since the rising cost of living became a major concern for all of us. Unfortunately, it seems like this challenge will stick around for a while. As consumers, you’ve probably noticed the immediate effects, like more people relying on food banks. But there are also some longer-term consequences that are starting […]

UK mortgage borrowers who are self-employed and/or have complex income sources, such as dividend income, or partnership in a Limited Liability Partnership (LLP), often encounter significant challenges when seeking a mortgage. These issues stem from the traditional lending criteria used by mortgage providers, which may not adequately cater to the unique financial circumstances of these […]

Autumn approaches, marking the end of a busy summer for holiday let landlords. This year, we’re seeing increased interest from property investors seeking insights into the holiday let sector and considering their next steps. Whatever questions you may have, here’s a quick overview of what’s going on in the market and a review as to […]