Expert Blogs

There's something about December that makes us all take stock, isn't there? As one year winds down and we start thinking about the next, it's the perfect time to look at our finances with fresh eyes. And for many homeowners, that mortgage payment – often the biggest monthly expense – deserves a proper look.

A comprehensive guide for self-employed specialists in the UK, demystifying the mortgage application process. Learn how to secure a mortgage pre-approval using alternative income proof instead of a P60, and why a specialist mortgage adviser is your best asset.

Securing a Decision in Principle (DIP) is a crucial first step in the mortgage process. Here is a simple, friendly, and professional guide on the importance of the DIP, the required documentation for pre-approval, and strategic steps to help speed up its issuance.

This comprehensive guide covers everything first time buyers need to know about purchasing property in 2026, from understanding your eligibility and accessing government support to managing the mortgage application process and budgeting for additional costs.

Stop relying on confusing forum advice or vague assumptions. At Friends Capital, we believe that clarity is the foundation of confidence. That’s why we’ve designed a powerful, yet simple, mortgage calculator tool that can transform your understanding of your financial potential in less than two minutes.

Stay informed with the latest updates from the UK mortgage market. This edition covers rising interest rates, lender product changes, housing market trends, and key developments ahead of the autumn Budget — helping readers make smarter home-buying and remortgaging decisions.