The Complete Guide to Mortgages

The mortgage market has changed over recent years. In 2008 you could get a mortgage with no deposit and without providing income proof. Lenders have since been stung and tightened up their systems and lending policies. The changes have made it more important that ever to use a mortgage broker. Mortgage brokers can help to access the most suitable mortgage product. This section covers mortgages on Joint Mortgage with Siblings, Remortgaging An Inherited Property, Mortgage in Probationary Period, Our Guide to Supply Teacher Mortgages, Mortgages for Dentists, Sole Trader Mortgage, Graduate Mortgages, Tier 2 Visa Mortgage and many more.

Damian Youell

Feel Free To Start WhatsApp Chat With Us...

How We Work

1: We contact you and take down your details, income outgoings, name, address etc.

2: We will research the whole market and email you a detailed quote as well as a list of documents to proceed.

3: You upload the documents and information needed via our channel our online portal.

Feel Free to Contact Us

Mortgage with Concessionary Purchase: How does it work in the UK in 2026?

By |2026-01-22T16:31:42+00:00January 22, 2026|Mortgage Process, Mortgage Rates, Mortgages, Property Types, Purchase Mortgages|

A mortgage with Concessionary Purchase is used when you buy a home for less than it is worth, usually from a family member or landlord. The [...]

Read More
 0

Joint Mortgage with Siblings (UK): How It Works, Pros, Cons & Key Risks

By |2026-01-19T11:51:13+00:00January 18, 2026|Financial Advice, Knowledge Mortgages|

Yes, you can get a joint mortgage with siblings in the UK. Lenders assess you like any joint application: combined affordability, credit history, deposit, and age/term limits. [...]

Read More
 0

Refurb mortgage: what is it, and can you get one in the United Kingdom in 2026?

By |2026-01-19T11:49:14+00:00January 16, 2026|Bridging Loan, Buy to Let Mortgages, Knowledge Mortgages, Mortgages, Property Types, Remortgages|

A refurb mortgage is a mortgage used when a home needs refurbishment works before it feels finished or ready to rent. The lender checks [...]

Read More
 0

Mortgages for Gen Z: How can Gen Z get a UK mortgage in 2026?

By |2026-01-14T17:52:59+00:00January 14, 2026|Buy to Let Mortgages, First Time Buyer Mortgages, Income Types, Knowledge Mortgages, Mortgages|

Owning a home remains a key financial goal for many people and Generation Z is no different. However getting a UK mortgage in 2026 [...]

Read More
 0

Influencer mortgages: how do mortgages for influencers work in the UK in 2026?

By |2026-01-12T16:24:18+00:00January 9, 2026|Buy to Let Mortgages, First Time Buyer Mortgages, Income Types, Knowledge Mortgages, Mortgages|

Influencer mortgages (mortgages for influencers) are not a special product. They are normal UK mortgages where the key challenge is proving income that can change [...]

Read More
 0

Mortgage on a Spouse Visa UK: Eligibility, Deposit & Lender Criteria (2026)

By |2026-01-27T13:33:48+00:00January 7, 2026|Knowledge Mortgages, Mortgage Process, Mortgages for Different Occupations / Income Types, Non Standard Residency Mortgages|

Yes, you can get a UK mortgage on a spouse/partner visa. Lenders typically focus on your visa time remaining, deposit size (LTV), UK income evidence and your UK credit footprint, as well as whether you are applying jointly with a British or settled partner. This guide explains the key requirements, documents you will usually need, typical timelines, and practical steps to improve approval chances.

Read More
 0

Can I get an adverse credit buy to let mortgage?

By |2026-01-06T13:15:12+00:00December 21, 2025|Adverse Credit, Buy to Let Mortgages, Credit Problem Mortgages, Credit Score, Investment BTL Mortgages, Knowledge Mortgages|

Over the years, we have recieved many queries from the people asking for BTL mortgage but the problem is the bad or adverse credit [...]

Read More
 0

How does applying for probate affect getting a mortgage in the United Kingdom?

By |2025-12-16T10:14:17+00:00December 12, 2025|Mortgage Rates, Mortgages|

When you are applying for probate, mortgage lenders mainly want two things: legal clarity (who can sign and sell or transfer the property) and timing clarity (when the transaction [...]

Read More
 0

What is a Day One Remortgage and how does it work in the UK?

By |2026-01-02T15:23:13+00:00December 10, 2025|Buy to Let Mortgages, Knowledge Mortgages, Mortgage Process, Mortgages, Remortgages|

Buying a property and then needing to change your mortgage straight away can feel confusing. A Day One Remortgage(sometimes written as a Day 1 Remortgage or Day 1 [...]

Read More
 0

About Us

NeedingAdvice.co.uk Ltd is Registered as a Limited Company in England & Wales No. 12978572. Registered Address: 107-109 Far Bank, Shelley, Huddersfield, United Kingdom, HD8 8HT. NeedingAdvice.co.uk Ltd is an Appointed Representative of Rosemount Financial Solutions (IFA) Ltd which is authorised and regulated by the Financial Conduct Authority (FCA). Entered on the FCA Register (https://register.fca.org.uk/) under reference 535515. The information contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

What We Offer

Rosemount Financial Solutions (IFA) Ltd is a Limited Company registered in England & Wales, No 05668905. Rosemount House 2-4 Chequers Road Basingstoke Hampshire RG21 7PU Offering a highly efficient financial advice service by embracing technology with highly efficient people, skills. Solutions include Mortgages, Life Insurance, Relevant Life Policies, Critical Illness Cover.

Mortgage Rate Switch or Mortgage Broker Transfer Due.

Use our dedicated reward website.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.

Copyright 2012 - 2021 | Whole of Market Mortgage Brokers

Privacy Policy  |  Cookie Policy

FacebookInstagramPinterestTwitterTwitterLinkedIn
Go to Top