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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 »

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 …Read More »

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 …Read More »

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 …Read More »

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 …Read More »