Latest Mortgage Advice & Insights | First In Mortgages
Mortgage Advice Cardiff: The Ultimate First-Time Buyer’s Guide (2026)
Buying your first home is an exciting but challenging experience. You need to estimate what you can afford, compare mortgage lenders, and complete the application process before getting an offer. Expert mortgage advice in Cardiff helps whether you're a first-time buyer, moving up the ladder, or switching mortgages. Professional guidance ensures decisions fit your circumstances.…
Can you get a mortgage on a fixed-term contract?
A common question for many individuals in the UK's modern workforce is whether their employment status affects their ability to get a mortgage. With more people working on a fixed-term contract rather than a permanent one, this is a very relevant concern. The good news is that being on a fixed-term contract does not automatically…
How reliable is a Mortgage in Principle?
A mortgage in principle (MIP), also known as an agreement in principle (AIP), is a document that many aspiring homeowners seek out early in their property search. It's a statement from a mortgage lender indicating they are prepared to lend you a certain amount of money, based on a brief assessment of your finances. This…
How long does it take for a mortgage application?
The timeline for a mortgage application can be a major source of stress and uncertainty forprospective homeowners. It's not a quick process, and the time it takes can vary significantlydepending on several factors. While there's no single answer, understanding the key stages andwhat can cause delays can help you manage your expectations and prepare effectively.…
Remortgaging Your Help to Buy Wales Property
Remortgaging a property purchased with the Help to Buy Wales scheme involves navigating specific requirements and understanding how the equity loan interacts with your new mortgage. This guide will walk you through the process, helping you make informed decisions about your remortgage in 2025. Understanding Help to Buy Wales Remortgage Basics A Help to Buy…
Mortgage Advice: Can You Get a Mortgage with a Default on Your File?
Getting a mortgage with a default on your credit record can be tough, but it's far from impossible. But when you miss a payment or can't pay back a loan - known as a default - you'll struggle to get a good deal on a mortgage, and some lenders will even turn you down. However,…
Can You Use PIP Towards a Mortgage?
For many individuals receiving Personal Independence Payment (PIP), the question of whether these benefits can be used towards securing a mortgage is a crucial one. Understanding how mortgage lenders view PIP and how it can affect your mortgage application can help in planning your path to homeownership. In this blog, we will explore how PIP…
Can You Get a Mortgage on Maternity Leave?
Securing a mortgage can seem challenging at the best of times, but if you’re on maternity leave, you might wonder if this affects your ability to buy a home. The good news is that being on maternity leave does not automatically disqualify you from getting a mortgage. However, there are specific considerations and preparations you…
How Does an Interest Only Mortgage Work?
When venturing into the property market, buyers are often overwhelmed with mortgage options. Among the various types available, interest-only mortgages stand out for their unique features and benefits. But what exactly is an interest-only mortgage, and how does it differ from more traditional mortgage types?