Your mortgage is one of the biggest financial commitments you will ever make so it’s important to get the best advice, and that’s what we are here for.
Respect Mortgages can put you in touch with a mortgage expert from an award winning mortgage broker that has been in business for over 45 years.
So, whether you live in London, Manchester, Birmingham or anywhere else in the UK, we can help you find the right mortgage adviser.
Expert help is available across the UK including:
Our most recent articles
Mortgages for Older People: Your Options After 55
You’ve probably heard someone say “banks won’t lend to people your age” or perhaps you’ve experienced a high street lender …
Can I Use Crypto for a House Deposit?
Mortgage lenders have been, and still are, cautious about cryptocurrency, creating obstacles for some property buyers. The volatile nature of …
Fixed vs Variable Rate Mortgages
Choosing between a fixed or variable rate mortgage is one of the biggest financial decisions you’ll make. It affects not …
How do mortgage companies value a house?
Applying for a mortgage often brings a mixture of excitement and anxiety. While you’re looking forward to securing your dream …
Capital Raising to Consolidate Debt
Are you juggling multiple debts with different interest rates, payment dates, and terms? Many homeowners find themselves stressed by managing …
Does Changing Your Job Affect Getting a Mortgage?
Many homebuyers worry that changing jobs when they need a new mortgage will automatically disqualify them from getting approved. This …
What is Your Credit Utilisation Ratio?
Keep your credit utilisation low. This is the percentage of your credit limit you actually use. For example, if you have a limit of £3000 and you’ve used £1500 of it, your credit utilisation is 50%. A lower percentage is usually seen in a positive light and should help your score go up. To help improve your Experian Credit Score, try to keep your credit utilisation at 25%.
Credit Score Gone Down? Here’s What You Need to Know
Finding out your credit score has dropped can feel like a shock, especially if you’re planning to apply for a …
A Guide to Fixing Mistakes on Your Credit Report
Finding mistakes in your credit report can feel like a setback, especially when you’re planning to apply for a mortgage …
Understanding Your Statutory Credit Report
Getting ready to apply for a mortgage or loan? You’ll want to know what lenders see when they check your …
Checkmyfile Explained
Understanding your credit report can feel like trying to solve a puzzle with pieces from different boxes. Each credit reference …
What Lenders Want To See On Your Credit Report
Getting a mortgage means letting lenders look at your credit report. Many people worry about what these lenders might find, …
Moving Home with a Mortgage? Here’s What You Need to Know
Moving house while managing a mortgage ranks among life’s bigger financial decisions. Whether you’re looking to upsize, downsize, or just …
Can You Get a Mortgage to Buy Someone Out?
Sometimes relationships change and you need to take sole ownership of a property. Whether you’re separating from a partner, changing …
How Long Do You Need to Be in a Job to Get a Mortgage?
Are you putting off applying for a mortgage because you’re new to your job? Getting a mortgage isn’t just about …
Your Guide to Mortgages Without Early Repayment Fees
Receiving an unexpected windfall should be cause for celebration. But if your mortgage comes with early repayment charges (ERCs), putting …
Which Credit Report Do Mortgage Lenders Use?
Your mortgage application success depends heavily on your credit history – but with multiple credit reports showing different results, which …
How Long Do Defaults Stay on Your Credit Report?
Money problems can strike anyone. If you’ve missed payments and received a default on your credit report, you’re probably worried …
Does Your Overdraft Affect Your Credit Score?
Have you just checked your bank balance and found yourself in overdraft? If you’re hoping to get a mortgage or …
How to Finance a Loft Conversion
UK house prices continue to rise, making many homeowners look for ways to create extra space without moving. A loft …
