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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 …Read More »

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 …Read More »

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 …Read More »

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 …Read More »

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 …Read More »