by Brian Downton | J, Aug, 2025 | blog, mortgages
Buying a house can certainly be a daunting experience, especially when it’s your first time doing so. What doesn’t help is the wealth of jargon and terminology used during the mortgage process and throughout the entire journey to buy your new home. If you’re looking...
by Brian Downton | J, Aug, 2025 | blog, mortgages
Applying for your first mortgage is an exciting milestone, but it can also feel overwhelming. Lenders assess numerous factors to determine your eligibility, and some seemingly minor financial decisions can significantly impact your application. To help you secure...
by Brian Downton | J, Aug, 2025 | blog, mortgages
For first-time buyers in 2025, the property market is in stark contrast to when previous generations bought their first homes. The average first-time buyer in 1960 paid a deposit of just £595 (roughly £12,738 today) compared to an average of £53,424 in 2024. A recent...
by Brian Downton | J, Aug, 2025 | blog, Insurance, news
Life can be full of surprises. You can’t be prepared for everything. You may have some insurance to support you financially if the unexpected happens, but have you considered how private medical insurance might offer you and your family the peace of mind you need if...
by Brian Downton | J, Jul, 2025 | blog, mortgages
With gifts and loans from the Bank of Mum and Dad totalling a whopping £9.4bn in 2023, it would be one of the UK’s biggest if it was a real bank or lender. Given the clear affordability challenges still facing house buyers – particularly first timers – that figure...
by Brian Downton | J, Jul, 2025 | blog, mortgages
A 100% mortgage is, very simply, a home loan which allows the buyer to purchase a property without putting down any money (or a deposit) up front. Prior to 2008, it was common for lenders to offer deposit-free mortgages as standard, with some even allowing consumers...
by Brian Downton | J, Jul, 2025 | blog, mortgages
Buying a house can certainly be a daunting experience, especially when it’s your first time doing so. What doesn’t help is the wealth of jargon and terminology used during the mortgage process and throughout the entire journey to buy your new home. If you’re looking...
by Brian Downton | J, Jul, 2025 | blog, general
We’re living in unpredictable times; from rising living costs and market fluctuations to fast-moving changes in jobs, tech, and even family structures. For many people, the old financial playbook no longer applies. In these moments, advice isn’t about chasing the...
