Your Complete Guide to Mortgages

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Mortgage Outlook for 2026: What UK Buyers and Homeowners Need to Know

Feb 19, 2026

As we head into 2026, the UK mortgage market is entering a transitional phase. After years of elevated interest rates and affordability challenge...
How Changes to Mortgage LTI Rules in the UK Are Helping Borrowers in 2025-26

Feb 19, 2026

The UK mortgage market is evolving, with lenders and regulators adjusting the way Loan-to-Income (LTI) ratios are used in lending decisions.
Salisbury & Wiltshire Property Market: 2025 Snapshot and 2026 Outlook

Jun 27, 2025

In May 2025, the average property price in Wiltshire was £334,000, up 7.0% from May 2024; this outpaced the broader South West region, which ros...
Remortgaging in Wiltshire: How to Save Money in 2025

Jul 16, 2025

With interest rates fluctuating and the cost of living at record highs, many Wiltshire homeowners are considering whether now is the right time t...
Take Your First Step with Verve Financial: 98% LTV & Enhanced Affordability Mortgages

Aug 05, 2025

At Verve Financial, we believe buying your first home should feel achievable — not impossible.
How I Help First-Time Buyers and Homeowners at Verve Financial

Jul 31, 2025

Hi, I’m Gary, a mortgage advisor here at Verve Financial. If you’re thinking about buying your first home, moving house, or remortgaging, you...
How to Repay Your Help to Buy Loan (and How a Mortgage Broker Can Help)

Oct 28, 2025

If you bought your first home with the Help to Buy: Equity Loan scheme, you’re not alone — it’s helped thousands of first-time buyers take ...
What's Dominating the Mortgage Conversation in the Past Six Months?

May 13, 2025

Over a million households are facing significant mortgage payment increases
Getting a Mortgage Without Indefinite Leave to Remain (ILR): What You Need to Know

May 30, 2025

If you’re living and working in the UK without Indefinite Leave to Remain (ILR), you might think buying a home is out of reach.
UK Mortgage Market: New Lending Criteria in 2025 That Are Transforming Homebuying

Jun 11, 2025

As we near the end of 2025, the UK mortgage landscape is seeing game-changing reforms.
South of England Housing Market Update: What Buyers Need to Know Now

Jun 05, 2025

In southern coastal regions like Truro, Exeter, and Bournemouth, house price inflation has slowed sharply, with annual growth sitting at just 0.3...
UK Interest Rates Are Falling – Should You Wait to Buy a Home?

Apr 30, 2025

At Verve Financial, we know that when interest rates shift, so do the questions.
Getting a Mortgage as an Influencer: Your Guide to Homeownership

Mar 14, 2025

As an influencer, you’ve built a career that’s anything but traditional.
Getting a Mortgage in London? Don’t Pay a Broker Fee – Here’s Why

Mar 14, 2025

London is one of the most exciting cities in the world, but let’s be honest—buying a home here isn’t cheap.
Porting Your Mortgage: What Every Homeowner Needs to Know

Mar 21, 2025

If you’re thinking about moving to a new home, you might have heard the term “porting your mortgage.”
Getting a Mortgage as a Professional Sportsman: Tackling the Challenges Head-On

Mar 28, 2025

As a professional sportsman, you’re no stranger to hard work, discipline, and overcoming challenges.
Why Getting a Mortgage When You’re Self-Employed Isn’t as Hard as You Think

Apr 23, 2025

If you’re self-employed and thinking about buying a home, you’ve probably heard that getting a mortgage is “impossible” or “way harder ...
Getting a Mortgage as a Doctor or Nurse: Your FAQs Answered

Mar 07, 2025

As a doctor or nurse, you’ve dedicated years to your profession, working long hours and often under high pressure. So when it comes to securing...
Mortgage Britpop Banger: A Homebuying Anthem

Feb 28, 2025

(To the tune of your favourite Britpop classic—think Oasis, Blur, or Pulp!)
Right to Buy in 2025: Why Now is the Perfect Time to Purchase Your Council Home

Feb 28, 2025

If you're a council tenant in England, the Right to Buy scheme offers a unique opportunity to purchase your home at a significant discount.
Mortgage Mysteries Unplugged: Answering the Top 10 Most Googled Questions (with a Little Help from The Verve)

Mar 08, 2025

Buying a home can feel like a Bitter Sweet Symphony—excitement mixed with financial stress. With mortgages being one of the biggest financial c...
Buying vs. Renting: What’s the Best Move for You?

Feb 21, 2025

If you’re in your 20s or 30s, deciding whether to rent or buy a home can feel overwhelming.
How Do Mortgage Interest Rates Work? A Simple Guide to Swap Rates and More

Feb 03, 2025

When you’re looking for a mortgage, one of the first things you’ll notice is the interest rate.
Getting a Mortgage While in the Military: What Are Your Options?

Feb 21, 2025

Being in the military comes with unique challenges and opportunities, and one of the big decisions you might face is whether to buy a home.
Accord’s 99% mortgage: The game-changer for first-time buyers

Feb 03, 2025

Let’s be real—buying a home right now feels like trying to win the lottery. You’ve got rent draining your bank account, house prices that m...
Buying a House with Verve Financial: The Soundtrack to Your Homeownership Journey in Salisbury

Jan 29, 2025

At Verve Financial, we know that buying a home is one of the most significant financial decisions you’ll ever make. It’s a journey that’s f...
Navigating Higher Mortgage Interest Rates: How Verve Financial Can Help in Salisbury

Jan 29, 2025

The rising cost of living is a concern for many homeowners and potential buyers, and with higher mortgage interest rates on the horizon, many are...
5 Common Misconceptions About Financial Protection Plans

Jan 22, 2025

In today's uncertain economic climate, financial protection plans are more important than ever. However, many people make decisions about their f...
Joint Mortgage Guide: Tips Couples Need to Know Before Buying

Jan 22, 2025

Buying a property with your partner is an exciting milestone, but it's important to understand what a joint mortgage implies before taking this s...
Top Questions to Ask Your Mortgage Adviser Before Applying

Jan 22, 2025

Applying for a mortgage is one of the most significant financial decisions you’ll ever make, and a mortgage adviser can be an invaluable guide ...

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Your Complete Guide to Mortgages

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