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Professional Mortgage Advice

A self-employed dress maker

How Much Can Self-Employed Workers Borrow for a Mortgage?

Attempting to secure a self-employed mortgage can prove difficult especially if you’ve only recently become self-employed.

A young couple get approved for a mortgage

What Stops You from Getting a Mortgage in the UK?

Are you dreaming of owning your own home in the UK? From credit scores to employment history, we’ve covered nine potential hurdles standing between you and approval from a mortgage lender. Poor Credit Score A poor credit report is one of the main things that can stop you from getting a mortgage in the UK.…
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Mortgage application with house keys on top

The Mortgage Application Process: Everything You Need To Know

Applying for a mortgage is an exciting time in your life, but it can also be a daunting experience.

Young zero hours contract worker in a cafe

Can You Get a Mortgage for Zero Hour Contracts?

According to the Office for National Statistics (ONS), an estimated 1.1 million people in the UK were on zero-hours contracts as their main job from October 2021 to the end of September 2022. This equates to an average of 3.2% of all employment in the UK.

Discussing mortgage documents including the mortgage illustration

What is a Mortgage Illustration?

At Millennium Mortgages, “What is a mortgage illustration?” is something we get asked all the time. A mortgage illustration outlines all the details of a mortgage and is something your mortgage advisor will talk through with you after they have looked into what options are available. Your mortgage broker will do this prior to submitting…
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A young couple sat with a conveyancing solicitor

Do You Need a Solicitor to Remortgage?

If you’re considering a remortgage, you might not realise that in most instances you will need a solicitor. What does remortgaging mean? Remortgaging is when you swap the existing mortgage on your current property from your current deal and existing lender to another mortgage deal with a different lender. Switching to a different rate with…
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A young couple discuss remortgaging early with a mortgage broker

Can You Remortgage Early To Get a Better Deal?

Are you considering remortgaging? Many individuals tend to ignore this option until their current lender reminds them. But, were you aware that you can remortgage earlier than expected?

Compiling bank statements for a mortgage application

What do Mortgage Lenders Look for When Assessing My Bank Statements?

Before a mortgage application is accepted, mortgage lenders often need to see your bank statements. This is in order to gain an understanding of your spending habits and current financial situation.