Author Archives: arriba
April 28, 2026
How Much Deposit Do You Need to Buy a House in Manchester?
With property prices varying across Manchester, one of the most common questions buyers ask is how much deposit they actually need to get started. Whether you’re a first-time buyer or looking to move home, understanding your deposit requirements is a key first step. In this post, we’ll break down the minimum deposit needed, what most […]
April 24, 2026
What Happens If Your Mortgage Deal Is Ending?
When your mortgage deal comes to an end, it’s important to understand what happens next and how it could affect your monthly payments. Many homeowners don’t realise that once an initial fixed or tracker rate finishes, their mortgage will usually move onto a different rate automatically. This post will walk you through what to expect, […]
April 21, 2026
How the Middle East War Is Expected to Influence UK Interest Rates and What It Means for Fixed‑Rate Mortgages
The outbreak of war in the Middle East—specifically the US‑Israel conflict with Iran beginning on 28 February 2026—has sent shockwaves through global financial markets, and the UK is no exception. The sudden rise in energy prices, turbulence in government bond markets, and surging swap rates have dramatically altered expectations for UK interest rates and, in […]
April 10, 2026
Should You Fix Your Mortgage Rate Right Now?
With mortgage rates constantly changing, many homeowners and buyers are asking the same question: Should you fix your rate now or wait? The answer isn’t always straightforward, as it depends on your personal circumstances and how comfortable you are with potential changes in monthly payments. In this post, we’ll explain how fixed and variable rates […]
February 19, 2026
What Does a Mortgage Broker Do and Why Use a Fee-Free One?
When it comes to getting a mortgage, many people automatically turn to their bank, assuming it’s the easiest or cheapest option. But what if you could get access to a broader range of deals, expert advice tailored to your situation, and full support with the application process, without paying a penny in broker fees? That’s […]
January 7, 2026
New FCA Mortgage Rules Could Make It Easier for First‑Time Buyers in Manchester to Get a Mortgage
Getting on the property ladder in Manchester has become increasingly difficult for first-time buyers. Rising house prices, high rental costs, and rigid lending rules have left many people, especially those with non-traditional incomes, struggling to secure a mortgage. But that could soon change. The Financial Conduct Authority (FCA) has unveiled plans to overhaul mortgage lending […]
November 17, 2020
What happens if a mortgage application gets rejected?
It is not uncommon for lenders to reject mortgage applications. If your application gets denied, you will instinctively want to reapply with another vendor. Before you do, it’s important to understand why you were denied a mortgage in the first place. Having too many unsuccessful applications could negatively affect your credit report, making it harder […]
Buying property as a limited company
If you are thinking of purchasing a buy-to-let property, do not let the high taxes deter you from doing so. Buying through a limited company exempts you from exorbitant taxes. As a high-rate taxpayer, you will pay about 40% of your rental income in tax, but if you buy the rental property as a limited […]
November 16, 2020
Will student loans affect me buying a house?
With an increase in university fees, more and more people are being forced to take up student loans. These loans are expensive, and it might take you years to finish paying them off. If you are thinking about buying a house but still have student debt, here are a few things you should know. Do […]
February 14, 2018
A First Time Investor’s Guide To Student Property
If you’re looking to invest in property, student housing could be a potentially lucrative market to look into, with more people than ever studying in the UK. The latest figures put the amount of UK students at around 1.8 million, with many of those students living in rented student accommodation. We spoke to Mighty Student […]
August 15, 2016
Can I Get A Mortgage Through A Ltd Company?
A number of questions were raised following George Osborne’s Summer Budget 2015 as to the proposed changes to buy to let mortgage interest relief on personal borrowing. The changes to the treatment of mortgage interest has meant that investors are favouring going down the limited company route. As discussed in an article published on This […]
Everything You Need To Know About Self-Build Mortgages
Embarking upon building your own house is a huge undertaking and if it’s something you’re serious about considering, the very first bridge you’re going to have to cross is how to fund the whole thing. If you’ve got money in place from another source then that’s great, but the chances are that you’re going to […]