Getting readyPDF · 13 pages
Mortgage Readiness Guide
Your credit file, deposit, bank statements and the documents to gather so you are ready to move.
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BuyingPDF · 13 pages
First-Time Buyer’s Guide
From deposit to completion day: what lenders look at, what it really costs and how long each step takes.
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Family helpPDF · 13 pages
Joint Borrower Sole Proprietor Guide
Buying with a parent or relative on the mortgage but not the deeds: affordability, stamp duty savings, risks and alternatives.
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Private clientsPDF · 13 pages
High & Ultra-High Net Worth Guide
How lenders assess complex wealth, private banks, structuring large loans and the 2026 tax landscape.
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RefinancingPDF · 13 pages
Remortgage Guide
When to start, product transfer or remortgage, raising capital and how to avoid the standard variable rate.
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InvestingPDF · 13 pages
Buy-to-Let Guide
Rental stress tests, personal or limited company ownership, portfolio landlords and the 2026 rules.
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Public officePDF · 12 pages
Politically Exposed Persons Guide
Who counts as a PEP, the 2024 and 2025 rule changes, source of wealth and preparing a case with discretion.
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IncomePDF · 13 pages
Self-Employed Mortgage Guide
Accounts, SA302s, retained profits and contractor day rates and how to present them to lenders.
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InternationalPDF · 13 pages
Buying UK Property from Overseas
Visas, foreign income, currency and the lenders who work with non-UK residents.
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ProtectionPDF · 13 pages
Protecting Your Home & Family
Life cover, critical illness, income protection and buildings insurance, explained without jargon.
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New homesPDF · 13 pages
New Build Guide
Reservation deadlines, lender limits on new homes, incentives, build delays, warranties and snagging.
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Moving homePDF · 13 pages
Home Mover’s Guide
What you could afford, porting or a new mortgage, stamp duty, moving costs and keeping your chain on track.
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SeparationPDF · 13 pages
Divorce & Separation Mortgage Guide
Buying out a former partner, how maintenance counts as income, mortgage capacity reports and starting again on your own.
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LandlordsPDF · 13 pages
Limited Company & SPV Guide
Why landlords buy through a company, how lenders assess SPVs, moving properties across and running the company.
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New buildPDF · 13 pages
Contract Reassignment Guide
Buying a new build by assignment: developer consent, specialist lending, the money and the stamp duty.
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Share incomePDF · 13 pages
Vested Shares & RSU Mortgage Guide
How lenders count RSUs and vested shares, the evidence they need, tax at vest and using shares towards a deposit.
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CreditPDF · 13 pages
Damaged Credit & Credit Building Guide
Missed payments, defaults and CCJs: how lenders view them, how long they last and the steps that rebuild your file.
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ProfessionalsPDF · 13 pages
Mortgages for Barristers Guide
From pupillage to silk: chambers income, newly qualified tenants, fee timing and the lenders who understand the Bar.
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DiplomatsPDF · 13 pages
Mortgages & Diplomatic Immunity Guide
Who holds immunity, why lenders ask for a waiver from the sending State, the evidence they need and stamp duty for diplomats.
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