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.

Mortgage with No Early Repayment Charge UK | Needing Advice
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Mortgage with No Early Repayment Charge UK | Needing Advice

Knowledge Mortgages

Mortgage with No Early Repayment Charge UK | Needing Advice

Damian Youell2026-05-01T08:42:39+00:00April 20, 2026|Knowledge Mortgages|

Last updated: 20 April 2026 Most people do not think about early repayment charges until they want to do something with their mortgage — [...]

Gifted Deposit Non-Family Member | Complete Guide
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Gifted Deposit Non-Family Member | Complete Guide

Mortgage Rates, Mortgages

Gifted Deposit Non-Family Member | Complete Guide

Damian Youell2026-04-30T13:54:59+00:00April 20, 2026|Mortgage Rates, Mortgages|

Last updated: 29 April 2026 Most people assume a gifted deposit has to come from a parent or a close relative. That assumption rules [...]

Mortgage With Crypto Income UK: Can You Get One?
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Mortgage With Crypto Income UK: Can You Get One?

Income Types, Knowledge Mortgages, Mortgages, Mortgages for Different Occupations / Income Types, Occupations, Using a Broker

Mortgage With Crypto Income UK: Can You Get One?

Damian Youell2026-04-17T15:26:11+00:00April 16, 2026|Income Types, Knowledge Mortgages, Mortgages, Mortgages for Different Occupations / Income Types, Occupations, Using a Broker|

⚠ Important Information & FCA Disclaimer Your home may be repossessed if you do not keep up repayments on your mortgage. NeedingAdvice.co.uk is [...]

Mortgage Without ILR — Can You Get One in the UK?
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Mortgage Without ILR — Can You Get One in the UK?

Knowledge Mortgages, Mortgages for Different Occupations / Income Types, Non Standard Residency Mortgages, Using a Broker

Mortgage Without ILR — Can You Get One in the UK?

Damian Youell2026-04-21T11:33:49+00:00April 15, 2026|Knowledge Mortgages, Mortgages for Different Occupations / Income Types, Non Standard Residency Mortgages, Using a Broker|

Damian Youell · Senior Mortgage Broker FCA AR 938312 · Whole of Market · NeedingAdvice.co.uk · Updated April 2026 If you've been told you [...]

Dependent Relative Mortgage Guide: Options, Affordability & FAQs
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Dependent Relative Mortgage Guide: Options, Affordability & FAQs

Non Standard Residency Mortgages

Dependent Relative Mortgage Guide: Options, Affordability & FAQs

Damian Youell2026-05-13T13:00:59+00:00April 14, 2026|Non Standard Residency Mortgages|

Mortgage for Dependent Relative Each month, we assist numerous clients who are looking for a mortgage for a dependent relative. This need arises across [...]

What Are Swap Rates and Why Do They Matter for Your Mortgage?
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What Are Swap Rates and Why Do They Matter for Your Mortgage?

Knowledge Mortgages, Mortgage Rates, Mortgages, Rate Switches, Remortgages, Using a Broker

What Are Swap Rates and Why Do They Matter for Your Mortgage?

Damian Youell2026-04-14T02:00:12+00:00April 9, 2026|Knowledge Mortgages, Mortgage Rates, Mortgages, Rate Switches, Remortgages, Using a Broker|

If you have ever wondered why your fixed-rate mortgage deal changed in price before the Bank of England even moved [...]

Should I Fix My Mortgage Now? A UK Broker’s Honest View
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Should I Fix My Mortgage Now? A UK Broker’s Honest View

Income Types, Interest Only, Knowledge Mortgages, Mortgage Rates, Mortgages

Should I Fix My Mortgage Now? A UK Broker’s Honest View

Damian Youell2026-04-01T12:26:32+00:00April 1, 2026|Income Types, Interest Only, Knowledge Mortgages, Mortgage Rates, Mortgages|

📌 Mortgage Advice Thousands of UK homeowners are asking right now: should I fix my mortgage now? With the Bank of England base rate [...]

Buy to Let Mortgage for a Trading Company
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Buy to Let Mortgage for a Trading Company

Investment BTL Mortgages, Knowledge Mortgages, Mortgages, Self Employed Mortgages

Buy to Let Mortgage for a Trading Company

Damian Youell2026-03-27T16:57:23+00:00March 27, 2026|Investment BTL Mortgages, Knowledge Mortgages, Mortgages, Self Employed Mortgages|

You are leaving the NeedingAdvice website You are now departing from the regulatory site of NeedingAdvice. Neither NeedingAdvice nor Rosemount Financial Solutions (IFA) Ltd [...]

Are Sub-4% Mortgage Deals Gone in the UK? What It Means for You in 2026
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Are Sub-4% Mortgage Deals Gone in the UK? What It Means for You in 2026

Income Types, Mortgage Rates, Mortgages, Remortgages

Are Sub-4% Mortgage Deals Gone in the UK? What It Means for You in 2026

Damian Youell2026-03-25T14:56:27+00:00March 19, 2026|Income Types, Mortgage Rates, Mortgages, Remortgages|

If you’ve been searching for a home loan recently, you’ve probably noticed that sub-4% fixed rate mortgage deals are becoming harder to find in the [...]

Mortgage After Changing Jobs UK — What Lenders Actually Want to See
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Mortgage After Changing Jobs UK — What Lenders Actually Want to See

Mortgages, Mortgages for Different Occupations / Income Types, Using a Broker

Mortgage After Changing Jobs UK — What Lenders Actually Want to See

Damian Youell2026-06-23T16:10:37+00:00March 4, 2026|Mortgages, Mortgages for Different Occupations / Income Types, Using a Broker|

Yes, you can get a mortgage after changing jobs in the UK. That is the short answer, and I want to lead with it because [...]

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