Mortgage & Protection Guides

Recent UK rule changes give some lenders more flexibility on affordability. Here’s what that could mean if you’re buying or remortgaging in Hampshire.

On 5 November 2026 the Bank of England raised Bank Rate by 0.25 percentage points to 4%. It is the

Buying your first home in Fareham is exciting. The costs, though, can catch people out, because the deposit is only

A practical mortgage protection checklist — life, critical illness and income protection — so your payments are thought through if life changes.

Most buy-to-let mortgages need a larger deposit than residential. Typical % ranges, rental cover and landlord tips.

If your fixed rate is ending in the next few months, you’ve probably had a letter from your lender with

Upsizing across Hampshire? Porting vs new mortgage, chains, and how much more you might need to borrow.

What a second charge mortgage is, when people use one instead of remortgaging, and the risks to understand first.

A lender valuation isn’t a full survey. The differences, survey levels, and why Hampshire buyers often book their own.

Mortgage after bankruptcy or an IVA? Typical waiting periods, discharged status and when specialist lenders may look at your case.