Being self-employed can be incredibly rewarding - but many self-employed people assume they'll struggle to get a mortgage. The reality is often very different. In this guide, Love Mortgages separates fact from fiction: how self-employed mortgages actually work, what lenders look for, how many years' accounts you might need, and the common myths that hold people back.
Beth Pierce
Mortgage jargon can make applying for a home loan feel more daunting than it needs to be - AIPs, LTVs, SVRs, ERCs and more. In this plain-English guide, Love Mortgages explains the most common mortgage terms you'll come across, from Agreement in Principle and Loan to Value to fixed and variable rates, mortgage offers, early repayment charges, porting and completion.
Beth Pierce
One of the biggest questions first-time buyers ask is how much deposit they really need - and it's often less daunting than people assume. In this guide, Love Mortgages explains how mortgage deposits work, whether there is a minimum, what Loan to Value means, how gifted deposits and other costs fit in, and why the right amount really depends on your own circumstances.
Beth Pierce
Buying your first home is exciting - and it's completely normal to feel a little overwhelmed. This simple guide from Love Mortgages walks first-time buyers through the whole journey, from understanding what you can afford and saving a deposit to getting an Agreement in Principle, making an offer, surveys and legal work, exchange of contracts and finally getting the keys - plus the questions most first-time buyers ask along the way.
Beth Pierce
At Love Mortgages, our priority has always been simple: clear, supportive and reliable mortgage advice for the people who trust us with one of their biggest financial decisions. Here we share the awards we have been proud to receive - from the Prestige Awards to the Quality Business Awards - and, more importantly, why great customer service, not recognition, remains at the heart of everything we do.
Beth Pierce
Knowing where to start with a remortgage can feel overwhelming - interest rates, lender criteria, paperwork, fees and timings all come into play. This simple 8-step guide from Love Mortgages walks through the typical remortgage process, from the initial review and exploring your options to the mortgage offer, legal work, completion and a protection review, plus when to start the conversation and what to expect along the way.
Beth Pierce
When people think of Love Mortgages, they think of mortgage advice - but protecting your home, your mortgage and the people who matter most is just as important a conversation. In this guide we explain the main types of cover - life insurance, critical illness cover and income protection - why it is worth reviewing your protection after major life events, and how Love Mortgages can help you understand the options available.
Beth Pierce
With global events and economic change dominating the headlines, it's easy to feel uncertain about the mortgage market - but the UK market remains active and full of options. In this guide, Love Mortgages explains why working with an experienced broker can make a real difference: how the market is more flexible than it looks, why timing and lender relationships matter, and how the right support helps you navigate the whole process with confidence.
Beth Pierce
When global events dominate the headlines, it's natural to wonder how they might affect mortgage rates or the housing market in the UK. While geopolitical tensions can influence financial markets, the impact on individual mortgage decisions is often far less direct than it seems. In this guide, Love Mortgages explains how global events interact with the mortgage market, why your personal circumstances matter most, and how to plan ahead with confidence.
Beth Pierce
Should you fix your mortgage rate or go variable? In 2026, the answer isn't as simple as it used to be. With rates higher than a few years ago and more product choice than ever, the right decision depends on your circumstances, not market predictions. This guide from Love Mortgages explains the real difference between fixed and variable mortgages, the trade-offs of each, and the three questions that will help you decide with confidence.
Beth Pierce
The UK mortgage market in 2026 is more settled than recent years, but that doesn't mean every borrower's experience will be the same. From interest rate decisions and remortgage timing to stricter affordability checks and the growing importance of energy efficiency, there's a lot to consider. In this guide, Love Mortgages breaks down what's really happening, what it means for first-time buyers, home movers and those remortgaging, and the smart steps you can take right now.
Beth Pierce
