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News & guides.

Mortgage news, tips and plain-English guides for the Wirral. The stuff buyers, movers and remortgagers actually need to know.

Halifax's New £5,000 Deposit Mortgage - Could This Be Your Way Onto the Property Ladder?

A £5,000 deposit mortgage from a major high street lender is a game-changer for first-time buyers trying to get onto the property ladder. But is it right for you? Discover how the new Halifax scheme works, the eligibility criteria you need to know, and how to find out if you qualify.

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Can You Buy the Home You're Renting With No Deposit? Understanding Concessionary Purchases in 2026

If your landlord is selling up, you might not need to move out. In certain cases, you can buy the home you’re already renting at a discount - and that discount can often act as your deposit. Here’s how concessionary purchases work and why they’re becoming a lifeline for tenants in 2026.

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Mortgage Advice, First Time Buyers Nick Gatti Mortgage Advice, First Time Buyers Nick Gatti

I've Just Been Served a Section 21 Notice. How Much Mortgage Can I Get?

Landlords in England can no longer serve Section 21 notices as of May 1st, but if one landed on your mat last week, you're likely weighing up your options. Instead of looking for another rental, could you actually buy? Here’s a look at how much you could borrow in 2026 and how quickly you can find out where you stand.

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How Much Can I Borrow as a First-Time Buyer in 2026? (The No-Nonsense Guide)

How much can you really borrow for your first home in 2026? We break down the 'Income Multiplier' vs 'Real-Life Affordability' in the Wirral. From the impact of car finance to why your comfort matters more than the bank’s maximum limit, get the honest facts for first-time buyers.

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Mortgage Choice Hits an 18-Year High: Why Wirral Buyers and Remortgagers Should Jump In

Mortgage deals are at their highest levels since 2007, with more choice and lower rates than we’ve seen in years. Whether you’re buying your first home or looking to remortgage in the Wirral, now’s the time to see what’s out there - and discover how much you could save.

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How to Get a Mortgage When You’re Self-Employed

Being self-employed doesn’t have to make getting a mortgage harder. Our guide explains what lenders look for, how to prove your income, and tips for securing the best mortgage in the UK - perfect for freelancers, contractors, and business owners in Wirral.

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Low-deposit mortgage rates hit a 3-year low: Finally, some good news for first-time buyers.

Low-deposit mortgage rates have dropped to their lowest levels since 2022 - brilliant news for first-time buyers and anyone about to remortgage. With lenders slashing rates and boosting choice, now could be the perfect time to lock in.

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