Self-employed mortgages: proving income, maximising affordability and avoiding delays If you run your own business, you already juggle invoices, tax returns and cash flow. When it comes to getting a mortgage, the paperwork can feel like extra work at the least convenient time. The good news is that clean preparation, the right lender choice...
Buy-to-let mortgages in 2026: deposits, rental stress tests and the new rules Autumn listings and the student cycle put pressure on timing, and 2026 brings firmer lender scrutiny alongside useful product choice. If you plan to purchase, remortgage or restructure a portfolio, it pays to understand how deposits, rental stress tests and company structures...
Should you choose a 2 or 5 year fixed mortgage? A whole-of-market view If you are weighing up a 2 year fixed against a 5 year fixed mortgage, you are not alone. Lenders are refreshing products for summer and many borrowers are trying to balance payment certainty with flexibility as the interest rate outlook...
Life insurance for your mortgage: how to choose cover that truly fits Life cover is one of those topics that quietly sits behind your mortgage, yet it can make the biggest difference on the worst day. The right policy can clear the mortgage, keep the family home secure and give your loved ones room to...
First‑Time Buyer Mortgage Checklist: What You Need And When Starting your first home purchase in the New Year feels exciting, but the process can look complex at first glance. This step‑by‑step checklist explains what lenders look for, what to prepare, how much you might borrow, and how we keep everything moving with estate agents, surveyors...
Remortgaging Explained: How To Get The Best Deal In 2026 If your current deal ends in 2026, you are not alone in wondering whether to lock in a new rate or sit tight. With rates, lender criteria, and fees shifting, the right answer depends on your goals, your timeline, and how your current lender compares...
Self-Employed Mortgages: Your Questions Answered If you run your own business or work as a freelancer, getting a mortgage can feel tougher than it should. Lenders do not see regular payslips, and your income might vary through the year. The good news is that thousands of self-employed clients secure mortgages every month. With the...
Is Buy-To-Let Still Worth It In 2025/2026? What Landlords Need To Know; The UK property market continues to evolve, and for landlords, the buy-to-let landscape in 2025 and going into 2026 looks different from even a few years ago. Changes in mortgage rules, regulatory updates, and shifting interest rates mean that now, more than...
First-Time Buyer Mortgages: What You Really Need To Know Stepping onto the property ladder for the first time is exciting, but it can also leave you feeling intimidated by jargon, paperwork, and plenty of big decisions. As a first-time buyer, you may be wondering how much deposit you really need, what happens during a mortgage...
Why Wider Choice Means A Better Deal When it comes to securing a mortgage, the path you choose can make a real difference to your financial future. Many buyers, whether stepping onto the property ladder for the first time or looking to remortgage, aren’t aware of the distinct advantages offered by a whole of market...
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Assisting first time buyers, home movers, buy to let investors and people looking to remortgage, our service is dealt with professionally throughout. Our service focus’ on giving expert advice and guidance concerning the best mortgage deal, most suitable survey and instructing an efficient solicitor for you. As well as this, we have access to thousands of mortgage products including exclusive deals which banks and building societies cannot acquire.
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AP Mortgage Solutions Ltd
Office: 01246 252336
Mobile: 07387 585282
Email: a.paddick@apmortgagesolutions.co.uk
Saturday: 9am – 1pm
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