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.

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.

Find out when you can remortgage after purchase, optimal timing strategies, costs involved, and expert tips. Get professional mortgage advice with Friends Capital today.

Stay informed with the latest mortgage and insurance market developments from Friends Capital Mortgage Advisors. Our monthly newsletter delivers essential headlines and insights directly to your inbox, covering Bank of England rate changes, mortgage market opportunities, insurance trends, and regulatory updates that could affect your financial planning.

Struggling to save for your first home? Discover how much deposit you need, ways to save faster, and which schemes can help. Get expert mortgage advice from Friends Capital.

Explore the different types of mortgages available in the UK. Learn how each works, who they suit, and which may be right for you. Speak to Friends Capital for tailored advice.

Thinking about remortgaging your home in the UK? Learn when it makes sense, how it works, and how to secure the best deal. Speak to Friends Capital for expert advice.

Looking for a commercial loan in the UK? Understand your options, how they work, and how Friends Capital can help you access tailored funding for your business.

Explore real bridging loan case studies in the UK. Learn how homeowners and investors use bridging finance and how Friends Capital can help you secure the right solution.

Need to sell your house fast in the UK? Discover proven tips to speed up your property sale and avoid delays. Speak to Friends Capital advisers for tailored guidance.

Learn how mortgage debt consolidation can help you manage multiple debts into one affordable payment. Speak to a Friends Capital mortgage adviser for personalised guidance.

Looking for the lowest mortgage rates in the UK? Learn how to compare deals, what affects your rate, and how a mortgage adviser can help you save more.

Looking for a bridging loan in the UK? Discover how to choose a reliable, FCA-regulated broker and get the best deal. Speak to Friends Capital mortgage experts today.

Unlock the value in your UK property with confidence. This comprehensive guide examines two popular equity release methods - bridging loans and remortgaging - helping British homeowners understand the costs, benefits, and risks of each approach. Whether you need rapid access to funds or prefer long-term stability, discover which option aligns with your financial goals.

Learn how secured loans work in the UK, when to use them, and how they compare to other borrowing options. Speak to a Friends Capital adviser for tailored guidance.

Looking to buy your first home in the UK? Our guide for first-time buyers covers everything from deposits to mortgage options. Speak to our mortgage advisers today.

Learn what a Mortgage Agreement in Principle is, how it works in the UK, and why it’s essential for homebuyers. Get expert advice from Friends Capital mortgage advisers.

Discover expert tips to increase your UK property's value, from loft conversions to energy efficiency upgrades. Speak to our mortgage advisers to explore your options.

Learn how auction finance works in the UK and why it’s key for auction property purchases. Discover how Friends Capital’s expert advisers and relationships with specialist lenders help you secure fast, flexible funding—making your auction experience smooth and successful.

Explore how Standard Repayment Mortgages can now extend beyond age 80. Learn how this option works, who it’s for, and how Friends Capital can help you secure the right deal.

Explore Later Life Interest-Only Products mortgage options tailored for individuals aged 55 and above. Discover how they work, who they suit, and what to consider when applying.

Explore Interest-Only Arrangements in detail. Learn how they work, who they’re suitable for, and the pros and cons from Friends Capital Mortgage Advisers.

Discover how Home Equity Schemes such as lifetime mortgages and property reversion plans can help homeowners over 55 unlock cash from their property. Learn the pros, cons, and eligibility.

Explore Blended Mortgage Solutions with Friends Capital. Learn how combining repayment and interest-only mortgages can offer flexibility for borrowers aged 50 and over.

Discover how the UK Starter Home Scheme helps first-time buyers under 40 get on the property ladder with a 20% discount on new homes. A guide from Friends Capital Mortgage Advisers.

Discover how the Shared Ownership Scheme can help you buy a home in the UK with a smaller deposit. Learn how it works, who’s eligible, and the pros and cons from Friends Capital Mortgage Advisers.

Discover how the right-to-buy scheme works, who qualifies, what discounts are available, and how to secure a mortgage. A complete guide from Friends Capital Mortgage Advisers.

Looking to buy your first home? Learn how a Lifetime ISA could help, with a 25% government bonus of up to £1,000 per year. Friends Capital breaks it down for you.

A less-than-perfect credit history doesn’t mean you have to give up on owning a home. While it can make the process more complex, there are still options available—even if you've been declined elsewhere. Here’s how to approach the mortgage journey with bad credit.