Plain-English articles on mortgages, the property market, and things worth knowing — from MRG Private Clients in Brentwood, Essex.
When income alone doesn't fit a lender's box, assets often can — two real, anonymised cases showing how dividends, company accounts and other assets unlocked mortgages a calculator had declined.
Salary and dividends, net profit, retained profit, add-backs — how lenders assess limited company director income for a mortgage.
Further advance, remortgage or second charge mortgage? A plain-English comparison of the three main ways to fund a home extension.
JBSP lending can now go beyond 95% loan to value — up to 100% in the right circumstances. How it works, who qualifies, and a worked example.
How much you can borrow, deposit rules, documentation and why an independent broker matters — a complete guide for UK expats buying or refinancing back home.
How lifetime mortgage rates work, what roll-up interest means in practice, and how making voluntary payments can significantly reduce what you owe.
Layered limited companies, HMOs, portfolio landlords, adverse credit — the BTL cases that need specialist handling, and what's actually possible.
Thinking of building your own home? Staged payments, deposit rules, contractors and budgeting — everything to know before you start.
5% standard, £5k minimums, Family Springboard, Deposit Unlock — every route onto the ladder for buyers with a small deposit, clearly explained.
More space, a garden, and a 35-minute commute. Here's what London buyers are finding when they make the move to Chelmsford — and what to know about the mortgage.
With 2-year and 5-year rates almost identical right now, the decision isn't about cost — it's about your attitude to risk. Here's how to think it through.
If your accountant has minimised your taxable profit, it could be quietly capping how much you can borrow — here's the lender trick that can add it back.
Both let you borrow against your home — but they work very differently. This guide explains when each option makes sense and how to decide which is right for your situation.
RIO mortgages are often overlooked as an alternative to lifetime mortgages. This guide explains how they work, who they suit, and how they compare.
Real examples of mortgage cases declined by high street lenders — complex income, annexe properties, joint borrower sole proprietor, and how an independent broker found a solution.
Learn when to remortgage your home, avoid higher rates and see if switching could save you money. Simple, clear advice from a mortgage broker in Essex.
Find out how much you could borrow for a mortgage based on your income, deposit and circumstances. Get a quick estimate and expert advice from Essex.
Is a mortgage broker worth it in Essex or London? Learn how brokers work, what they offer and how they can help you secure the right deal.
Everything you need to know about HMO mortgages — how they work, deposit requirements, licensing, and how to find the right lender.
Can contractors get a mortgage? Learn how lenders assess contract income, what you'll need and how to improve your chances of approval.
Common questions about expat mortgages for UK nationals abroad and foreign nationals in the UK. Independent advice from Brentwood, Essex.
Common questions about development finance for construction, renovation and property conversion projects. Independent advice from Essex.
A simple guide to commercial mortgage FAQs, including deposits, affordability, interest rates and how lenders assess business applications.
Common questions about buy-to-let mortgages — how much you can borrow, deposits, limited companies and more. Independent advice from Brentwood, Essex.
A guide to bridging loans — how much you can borrow, monthly payments, the process, fees and exit strategies. Independent advice from Essex.
Can day rate contractors get a mortgage? Learn how lenders assess your income, what documents you'll need and how to maximise your borrowing.
Is 100% development finance possible? Learn how it works, who can get it, and how additional security is used to structure deals.
Considering an interest-only mortgage? Learn how they work, who they may suit, the risks involved and what repayment strategies lenders expect.
Find out how to get a mortgage if you're self-employed, how lenders assess income and what you can do to improve your chances.
