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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Mortgage with Unspent Convictions UK: Expert Broker Guide | Needing Advice

2026-09-15T18:16:31+00:00April 12, 2023|Credit Problem Mortgages, Knowledge Mortgages|

Getting a mortgage when you have an unspent conviction can be incredibly difficult, as lenders often don’t take into account the individual circumstances of [...]

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Construction Industry Scheme Mortgages – A Guide to Eligibility & Lenders in the UK

2026-09-18T10:50:48+00:00April 6, 2023|Knowledge Mortgages, Mortgages for Different Occupations / Income Types, Self Employed Mortgages|

CIS is short for ‘Construction Industry Scheme’ and was set up by HM Revenue & Customs (HMRC) as a way for people who work in construction to pay tax. Self-employed individuals and sole traders can find it challenging when applying for a mortgage due to the way lenders calculate affordability based on net profit figures, which then results in being offered a lower mortgage loan.

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The Complete Guide for Raising a Deposit as a First-Time Buyer

2026-09-15T18:17:36+00:00April 4, 2023|First Time Buyer Mortgages, Knowledge Mortgages, Loan to Values / Deposits|

For all the doom and gloom you may have read about the difficulties of first-time buyers getting onto the property ladder, there is evidence [...]

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LIFT Scheme Mortgages: The Ultimate Guide for First-Time Buyers in Scotland

2026-08-03T05:40:47+00:00March 28, 2023|Business Protection, Knowledge Mortgages, Mortgages for Different Properties|

An overview of the LIFT scheme mortgages If you're a first-time buyer in the UK, you'll know how difficult it is to get on [...]

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Renovation Mortgage UK: What You Need to Know

2026-09-16T14:12:54+00:00March 24, 2023|Financial Advice, Knowledge Mortgages, Mortgages for Different Properties, Property Types, Remortgages|

A renovation mortgage is any borrowing used to buy or refinance a property and fund the work needed to improve it. Depending on [...]

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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 Financial Solutions (IFA) Ltd is a limited company registered in England and Wales, No. 05668905. Registered address: Rosemount House, 2-4 Chequers Road, Basingstoke, Hampshire, RG21 7PU.

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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