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.

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IT Contractor Mortgage: Inside vs Outside IR35

2026-10-24T09:16:29+00:00October 24, 2026|Knowledge Mortgages, Mortgages for Different Occupations / Income Types, Self Employed Mortgages|

Quick answer: Yes, IT contractors can get a mortgage whether they work inside or outside IR35. Many lenders assess contractors on their day rate rather [...]

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Buy to Let Mortgage for Self Employed

2026-10-24T09:16:46+00:00October 22, 2026|Buy to Let Mortgages, Investment BTL Mortgages, Knowledge Mortgages, Self Employed Mortgages|

Quick answer: Yes, self-employed people can get a buy to let mortgage. Lenders mainly assess the expected rent rather than your personal income, though most [...]

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Mortgage With Defaults: Can You Still Get One in the UK?

2026-10-22T10:04:59+00:00October 22, 2026|Adverse Credit, Credit Problem Mortgages, Credit Score, Knowledge Mortgages|

Quick answer: Yes, you can get a mortgage with defaults on your credit file. A default stays on your file for six years from the [...]

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Mortgage for a New Build: How Lenders Assess New Homes

2026-10-22T10:04:39+00:00October 20, 2026|Knowledge Mortgages, Loan to Values / Deposits, Mortgages for Different Properties|

Quick answer: Yes, you can get a mortgage for a new build home with most UK lenders. Expect extra checks: a 10-year new home warranty, [...]

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Professional Mortgages: Criteria, Income Multiples and Who Qualifies

2026-10-22T10:04:49+00:00October 19, 2026|Knowledge Mortgages, Mortgages for Different Occupations / Income Types|

Quick answer: A professional mortgage is a home loan some UK lenders offer to qualified professionals such as doctors, dentists, solicitors, accountants and architects. Eligible [...]

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Difference Between Freehold and Leasehold: A Simple Guide for UK Buyers

2026-10-14T12:40:46+00:00October 14, 2026|Knowledge Mortgages, Mortgages for Different Properties|

Quick answer: With freehold, you own the building and the land it stands on with no end date. With leasehold, you own the right [...]

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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 firm reference 535515). NeedingAdvice.co.uk Ltd is entered on the FCA Register under reference 938312.

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Rosemount is authorised and regulated by the Financial Conduct Authority, firm reference 535515. It offers a financial advice service combining technology with experienced advisers. Solutions include mortgages, life insurance, relevant life policies and critical illness cover.

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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 firm reference 535515). NeedingAdvice.co.uk Ltd is entered on the FCA Register under reference 938312.

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