Guides and News

What happens to your mortgage when you move house depends on your existing mortgage, your lender and how you plan to finance your next property. If you already own a home with a mortgage, moving doesn’t necessarily mean starting from scratch, but your current mortgage won’t simply transfer to the

First home insurance is an important part of buying your first property, but many buyers are unsure which types of cover they actually need. While securing your mortgage is understandably the main priority, protecting your new home, your finances, and your family should also form part of your plans. Buying

Bad credit mortgages can provide a solution for borrowers who have recently had a mortgage application declined due to their credit history. Receiving a mortgage rejection can feel disappointing, particularly if you were confident about your chances of approval. However, a decline does not necessarily mean that homeownership is out

Remortgage or stay with your current lender? This is one of the most important decisions homeowners face when their fixed-rate deal comes to an end. While remaining with your current lender may appear to be the simplest option, it is not always the most cost-effective or flexible. In many cases,

Can you get a mortgage for an auction property? This is one of the most common questions asked by buyers considering purchasing through auction. While many assume that mortgages are not suitable for auction purchases, the reality is that they are often possible with the right preparation, lender selection, and

Understanding how lenders assess multiple income stream mortgages is essential if your income comes from more than one source. Many borrowers worry that having several income streams will complicate a mortgage application or reduce their chances of approval. In reality, multiple income streams are not a barrier in themselves —

How bad credit affects your mortgage options is one of the most common concerns for borrowers considering buying a home or remortgaging. Many people assume that a poor credit history automatically means they will be declined, but this is not always the case. While bad credit can influence the range

Buying your first home is an exciting milestone, but saving a deposit can often feel like the biggest hurdle. For many first-time buyers, support from family makes homeownership possible sooner through the use of a gifted deposit mortgage. At ABC Mortgages, we provide clear, professional advice on gifted deposit mortgages

At ABC Mortgages, one of the questions we hear most often is: “When’s the best time to remortgage my home?” The truth is, timing your remortgage correctly can make a huge difference to your finances. Whether your fixed rate is ending, you’re looking to release equity, or you simply want

Becoming a landlord for the first time is exciting – but it can also feel a bit overwhelming. There’s a lot to think about, from choosing the right property to understanding how buy to let mortgages actually work. At ABC Mortgages, we help first-time landlords across Sittingbourne and Kent understand

At ABC Mortgages, we know that managing multiple debts can feel overwhelming – and it can be even more stressful if you’re worried about your credit history. The good news is that debt consolidation could still be an option for you, even with bad credit.Our friendly team in Sittingbourne and

Choosing the right mortgage is one of the most important financial decisions you’ll ever make. With so many different types of mortgages available, it can feel overwhelming to know which one suits your situation best. The good news? By understanding how each mortgage type works and who it’s designed for,

Many people worry that having bad credit means their dream of owning a home is out of reach. The truth is, while poor credit can make things more challenging, it doesn’t always mean a mortgage is impossible. Every lender looks at applications differently, and with the right advice and preparation,

When it comes to buying a home, your career can actually work in your favour, especially if you’re in a recognised professional field. Many UK lenders offer something called a “professional mortgage”, a tailored lending approach that provides better terms and greater flexibility for people in certain occupations. At ABC

Buying your first home – or even your second or third – can be exciting, but also overwhelming. With so much to think about, one question we often hear at ABC Mortgages is: “What exactly is a Mortgage in Principle, and do I really need one?”If you’re starting your property