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Contracting gives you flexibility and control, but it also changes how lenders read your income, stability and risk. That is why a straightforward employment-based checklist rarely fits. Underwriters look for
Adverse credit is more common than you think. Missed payments after a tough month, a default you only discovered later, a County Court Judgment (CCJ) from a dispute, a Debt
You will often hear that UK lenders cap borrowing at 4.5 times your income. It is a useful rule of thumb, but it is not a promise. The reality is
Spring is a great time to get buyer ready. Listings pick up, viewings are lighter for longer, and you can use the season to organise documents, map a realistic budget,
Buying your first home in Peterborough in 2026? You’re in luck.
This guide explains how to approach remortgaging in 2026 if your UK fixed rate is ending. Learn when to start, how product transfers differ from full remortgages, which fees and