Updated:  22 October 2025 Written by Ben Stephenson, CeMAP‑qualified Mortgage Broker, reviewed by Mortgage Experts. Manor Mortgages Direct is FCA authorised (496907), has been in business nearly 30 years and is highly positively reviewed, 4.9 rated on Google. We have helped thousands successfully secure the right mortgage. Bristol‑based, assisting clients nationwide. Yes , paying off or paying down credit cards before you apply often improves your prospects, although outcomes

Updated: 22 October 2025 Written by Ben Stephenson, CeMAP‑qualified Mortgage Broker, and reviewed by Mortgage Experts.  Manor Mortgages Direct is FCA authorised, 496907, established for nearly 30 years and highly reviewed, 4.9 on Google. We have helped thousands secure the right mortgage. We are Bristol based brokers who can assist nationwide. Yes, many UK mortgage underwriters do review gambling transactions on bank statements , usually across the most recent three to six mo

Last Updated: 10 October 2025 A mortgage payment holiday is an agreement with your lender that allows you to pause or reduce your...

Last updated: 9 October 2025 Yes, many first-time buyers can still get on the property ladder in 2025 without relying on parents, but it often requires careful planning, access to government schemes, and sometimes specialist mortgage solutions. While house prices remain high compared to average incomes, more lenders are offering longer mortgage terms, higher income multiples, and products tailored to first-time buyers. Government-backed initiatives such as Shared Ownership,

Last Updated: 08 October 2025 If you are self-employed and asking “Can I get a mortgage in the UK?”  the answer is yes, but the process...

Last Updated: 07 October 2025 Yes, lenders will usually request your most recent bank statements, typically covering 3-6 months, to...

Last Updated:  6 October 2025 With mortgage bills rising and household budgets under pressure, homeowners across the UK are searching for...

Updated: 24 September 2025 If you are asking “Where should I invest in buy-to-let property in the UK in 2025?”  the quick answer is that the strongest opportunities lie in major regional cities and growing towns where rental demand is high and yields remain competitive. Areas such as Manchester, Liverpool, Birmingham, Nottingham, Leeds, Sheffield, Edinburgh, Bristol, Coventry, and Sunderland are among the standouts, each offering a mix of affordable purchase prices, solid ren

Updated: 24 September 2025 Yes, it is often possible to get a mortgage even if you have late payments on your credit history. While some mainstream lenders may be cautious, many specialist mortgage providers are open to applications where there is evidence of stable income, affordability, and responsible financial behaviour since the late payments occurred. What you can expect is more scrutiny around when the late payments happened, how many accounts were affected, and whethe

Updated: 17 September 2025 As a first-time buyer in the UK you will need to choose between purchasing a freehold or a leasehold property....

Updated: 15 September 2025 In many cases buying a property with a mortgage can save you money compared with renting, but the point where...

Applying for a mortgage is exciting, but don’t let easily fixable credit report mistakes ruin your chances of approval. Your credit...

Applying for a mortgage is one of the biggest financial steps you’ll take, and how you manage your existing credit accounts can have a...