Mortgage guides and advice
Can First-Time Buyers Borrow 6.5 Times Their Salary?
Getting onto the property ladder could become more achievable for some first-time buyers following the introduction of mortgage lending of up to 6.5 times income
Gambling, Addiction and the Hidden Impact on Families
It may begin with a small football bet, a few pounds on an online game, a lottery ticket or an entry on a raffle and
Klarna and Buy Now, Pay Later.
Buy now, pay later (BNPL) has become part of everyday shopping. Whether it is a new outfit, furniture, a holiday or even a takeaway, services
How Much Can You Borrow for a Mortgage?
One of the first questions most buyers ask is: “How much can I borrow?” A lot of people think it’s a simply multiple of your
Mortgage After Divorce or Separation: What Are Your Options?
Going through a separation or divorce can be one of life’s most challenging experiences. Alongside the emotional impact, many people find themselves worrying about what
Are you looking to Reduce Your Monthly Payments.
If you’re juggling credit cards, loans, car finance and rising household bills, you’re certainly not alone. Many homeowners are in the same situation and asking
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