Mortgage guides and advice
Can You Get a Mortgage After Defaults, Missed Payments or Gambling?
If you’ve ever looked at your bank statements or credit report and thought, “There’s no way I’ll get a mortgage,” you’re definitely not alone. For
Declined for a Mortgage? Here’s What to Do Next
Being declined for a mortgage can feel devastating, especially if you’ve already found the perfect property or started planning your next move. For many people,
Can Gambling Affect Your Mortgage Application?
If you’re applying for a mortgage and have gambling transactions showing on your bank statements, you may be worried that it could stop you from
When Your Credit Score Feels Like It’s Holding You Back.
If you’ve checked your credit score recently and instantly thought, “There’s no way I’ll get a mortgage,” you’re not alone. At Oak Mortgages and Clever
Bad Credit Mortgages: You May Still Be Able to Get a Mortgage
If you’ve been worrying that bad credit means you can’t get a mortgage, you’re not alone. At Oak Mortgages and Clever Mortgages, we speak to
From “We Didn’t Think It Was Possible” to a Family Home That Fits
Mr & Mrs C came to us feeling stuck. With a small deposit and some previous credit blips, they had already started to believe that
New Conveyancing Rules from May 2026: Why Stamp Duty Changes Could Impact Your Property Purchase
What’s Changing in May 2026? From 18 May 2026, the UK is introducing a major regulatory shift that will affect every property transaction involving Stamp
Being self-employed shouldn’t stop you from owning your home.
At Oak Mortgages, we help sole traders, directors, and business owners secure mortgages every day, even when income is complex. The key isn’t whether you’re
The Sun Is Out… Could It Be the Perfect Time to Make Your Move?
There’s something about the first stretch of sunshine that changes everything. The days feel longer, the mornings feel brighter, and suddenly those plans you’ve been
Mortgage Rates in 2026: What’s Happening and What It Means for You
If you’ve been keeping an eye on the property market recently, you’ll know things have shifted. Mortgage rates have climbed back above 5% (depending on
Can You Get a Mortgage While on Probation in a New Job?
Starting a new job should feel exciting, not stressful. But if you’re also thinking about buying a home, it’s completely normal to wonder: “Will being
20 Questions to Ask When Buying a Home
Buying your first home is one of the biggest (and most exciting) decisions you’ll ever make… But in the middle of viewings, offers, and emotions,