Buy-to-Let Mortgages in 2026: Investing in a Changing Market
Buy-to-let isn’t finished. But it isn’t straightforward either. What’s happening in 2026 sits somewhere in the middle. The market hasn’t collapsed, but it has stopped carrying people who rely on habit rather than planning. Investors are still buying. Mortgages are still being written. Deals are still completing. They’re just happening in a more selective, less […]
Why Time-Critical Bridging Finance Decisions Matter More Than Rates in 2026
Bridging finance is often used when timing matters more than anything else. Whether a deal is already in motion, an exit has shifted, or a completion deadline is approaching, borrowers are often forced to make decisions under pressure. Rates matter. Of course they do. But when you are two weeks from completion, or your exit […]
When The Bank Says No: Highly Commended In Two Categories At what MORTGAGE Awards 2025
When The Bank Says No has been highly commended in two categories at the what MORTGAGE Awards 2025 in both the Best Broker Website and Best Second Mortgage Broker categories. We don’t often take the time to celebrate ourselves here (we’re usually too busy helping people find their “yes” when the bank says “no” after […]
When The Bank Says No first participant in newly launched Habito Accelerator programme
When The Bank Says No has been announced as the first firm to join the inaugural Habito Accelerator programme that aims to help support and scale UK mortgage broker firms. When The Bank Says No was selected from a pool of over 60 broker firms, following a “rigorous evaluation process to identify the firms best […]
What Is The Standard Buy-To-Let Mortgage Criteria?
Investing in a buy-to-let property to generate rental income is a huge and exciting step for many landlords and potential first-time landlords, being an opportunity for an additional source of income. However, with purchase prices rising and lending criteria tightening, tailoring your mortgage application to meet and exceed the lending criteria is more important than […]
What Mortgage Schemes Are Available To Key Workers? (And How To Qualify)
Mortgage schemes make homeownership more accessible, especially for our struggling key workforce. However, with the Key Worker Living (KWL) Programme ending in 2019, what mortgage schemes are available to key workers in 2025? Teachers, doctors, nurses, firefighters, and the police keep our country running. Yet, while they provide vital services to society, with lower salary […]
Can A First Time Buyer Rent Out Their Property UK?
First-time buyers will usually opt for a smaller property at first just to get on the property ladder as a starting point. But what happens when it’s time to move on to a bigger place? Or even simply take some time away from the property before returning? Well, there are options available for you, including […]
How Long Should I Fix My Mortgage Term For?
With a fixed-rate mortgage, your interest rate stays the same for a set period. That means even if interest rates fluctuate during that time (whether it’s 2, 3, 5, or 10 years), you’ll pay the same amount each month. We anticipate your next question is: How long should I fix my mortgage for? The short […]
How Likely Is It To Get A Mortgage After An Agreement In Principle? – A Guide
An agreement in principle (AIP) is, as the name implies, a non-binding statement from a mortgage lender that outlines roughly how much they’d be willing to lend you, working off basic checks of your income, expenditure and credit report. The purpose of an AIP is to give an idea of your affordability before the true, […]
Should I Get My House Revalued Before Remortgaging?
Remortgaging may seem costly and a bit inconvenient to arrange. Yet, it can be a strategic move that’ll save you thousands of pounds by reducing your monthly payments and releasing equity tied to your home. Now, you may be wondering, should you get your house revalued before remortgaging? The short answer is yes, but only […]