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A shared equity scheme provides a loan toward the property purchase price, reducing the mortgage required. This guide covers how shared equity works, the schemes available in 2026 and the difference between shared equity and shared ownership.
16 Jun 2026 · 4 min read
Visa holders in the UK can apply for mortgages but face specific lender criteria around remaining visa validity and deposit requirements. This guide covers which visa types are accepted, what lenders require and how to find the right product.
16 Jun 2026 · 3 min read
EU citizens living in the UK can access mortgages, but eligibility depends on their immigration status under the EU Settlement Scheme. This guide covers how EU Settlement Scheme status affects mortgage eligibility and lender assessment.
16 Jun 2026 · 4 min read
Non-UK residents can purchase UK property but face additional stamp duty, restricted lender choice and overseas income verification requirements. This guide covers the key considerations for non-UK residents buying UK property in 2026.
16 Jun 2026 · 4 min read
Foreign nationals living in the UK can access residential mortgages, but lender criteria vary based on residency status and visa type. This guide covers how UK mortgage lenders assess non-UK citizens, which visa types are eligible and what to expect.
16 Jun 2026 · 3 min read
Key workers including NHS staff, teachers, police and social workers may access specific mortgage schemes and preferential income multiples. This guide covers what key worker mortgage options exist in the UK in 2026.
16 Jun 2026 · 3 min read
UK armed forces personnel have access to a government loan scheme to help with mortgage deposits and specific mortgage products recognising military service income. This guide covers Forces Help to Buy, income assessment and lender options.
16 Jun 2026 · 3 min read
Teachers in England and Wales may access professional mortgage products with higher income multiples and government housing schemes designed for key workers. This guide covers what is available to teachers in 2026.
16 Jun 2026 · 3 min read
NHS employees can access specific mortgage schemes and benefit from lender recognition of NHS income structures including overtime, bank shifts and enhanced pay. This guide covers the options available to NHS staff in the UK in 2026.
16 Jun 2026 · 3 min read
Zero hours contract workers can get a mortgage in the UK but face additional income verification requirements. This guide covers how lenders assess variable hours income, which lenders are most flexible and how to build the strongest possible application.
16 Jun 2026 · 3 min read
Day rate contractors can have their income assessed by annualising their daily contract rate rather than using accounts. This guide covers which lenders use the day rate method, how the calculation works and what documentation is needed.
16 Jun 2026 · 3 min read
Limited company directors often draw low salaries and take profits as dividends, which can affect mortgage affordability calculations. This guide covers how lenders assess director income, which methods produce the best outcome and what documents are required.
16 Jun 2026 · 3 min read
Sole traders applying for a mortgage are assessed on net profit rather than turnover. This guide covers how lenders verify sole trader income, which documents are required and how to present a sole trader mortgage application effectively.
16 Jun 2026 · 3 min read
Freelancers with variable monthly income can still get a mortgage in the UK, but lenders assess income differently than for salaried employees. This guide covers how lenders average freelance income, what documents are needed and which lenders are most flexible.
16 Jun 2026 · 3 min read
Contractors can face challenges getting a mortgage when lenders assess income in the standard way. This guide covers contractor-friendly lenders, day rate income assessment methods and the documentation required for a contractor mortgage in the UK.
16 Jun 2026 · 3 min read
An IVA (Individual Voluntary Arrangement) does not permanently prevent getting a mortgage. This guide covers how long an IVA stays on the credit file, when lenders will consider applications and what deposit and rate to expect after an IVA.
16 Jun 2026 · 3 min read
Bankruptcy does not permanently prevent getting a mortgage in the UK. This guide covers when you can apply after bankruptcy, which specialist lenders consider discharged bankrupts and what deposit and rate to expect.
16 Jun 2026 · 3 min read
Having a default on your credit file does not automatically prevent getting a mortgage in the UK. This guide covers how lenders assess defaults, the difference between satisfied and unsatisfied defaults and which specialist lenders consider default applications.
16 Jun 2026 · 3 min read
A 100% mortgage requires no deposit from the borrower. This guide covers the limited availability of no-deposit products in the UK in 2026, how family-assisted 100% mortgages work, the risks involved and which lenders offer them.
16 Jun 2026 · 3 min read
A 95% mortgage allows buyers to purchase with just a 5% deposit. This guide covers which lenders offer 95% LTV products, how they are priced, government support schemes and the risks of high LTV borrowing in the UK.
16 Jun 2026 · 4 min read
A gifted deposit uses funds given by a family member to make up part or all of the mortgage deposit. This guide covers lender requirements, the gifted deposit letter, anti-money laundering checks and what to do if the gift has conditions attached.
16 Jun 2026 · 4 min read
A family offset mortgage links a family member's savings to a first time buyer's mortgage, reducing the interest charged without the family member losing access to their money. This guide covers how family offset mortgages work, lender availability and the key considerations.
16 Jun 2026 · 4 min read
The Lifetime ISA provides a 25% government bonus on savings that can be used toward a first home purchase. This guide covers LISA eligibility, the property price cap, withdrawal rules and how the bonus interacts with a mortgage.
16 Jun 2026 · 4 min read
The Help to Buy equity loan scheme in England closed to new applicants in March 2023. This guide explains how the scheme worked, what alternatives exist for first time buyers in 2026 and the current government support landscape.
16 Jun 2026 · 4 min read
A limited company buy-to-let mortgage finances a rental property held through a special purpose vehicle company. This guide covers the tax case for limited company ownership, SPV structure, lender criteria and the costs involved.
16 Jun 2026 · 4 min read
An HMO mortgage finances a house in multiple occupation let to several unrelated tenants. This guide covers HMO mortgage criteria, mandatory licensing under the Housing Act 2004, rental income assessment and how HMO finance differs from standard buy-to-let.
16 Jun 2026 · 4 min read
A capped rate mortgage sets a maximum interest rate above which the pay rate cannot rise, while still allowing payments to fall if rates drop. This guide covers how caps work, their current availability and how they compare to fixed rate products.
16 Jun 2026 · 3 min read
A discount mortgage sets your rate at a fixed discount below the lender's standard variable rate. This guide explains how discount mortgages work, the risks of SVR dependency and how they compare to tracker deals.
16 Jun 2026 · 3 min read
A variable rate mortgage has an interest rate that can change during the mortgage term. This guide explains the different types of variable rate mortgage, how each is set and the risks and benefits compared with fixed rate products.
16 Jun 2026 · 4 min read
A fixed rate mortgage locks in the interest rate for a set period, providing payment certainty regardless of base rate movements. This guide covers how fixed rates work, how terms compare and what happens at the end of the deal.
16 Jun 2026 · 4 min readGet Kael Tripton in your Google feed
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