If your fixed-rate mortgage is coming to an end, or you’re worried about rising repayments, you might be wondering — is now the right time to remortgage? Here's what you need to know.

At Af & Associates, we hear a lot of myths and misunderstandings about getting a mortgage — especially from first-time buyers or self-employed clients. Let's clear up five of the most common ones.

Buying a home is likely the biggest financial commitment you’ll ever make — so why leave it exposed? Mortgage protection isn’t a luxury — it’s a smart safety net.

When it comes to buying property or securing funding through specialist finance, timing is everything. Whether you're looking at a renovation project, a commercial purchase, or a buy-to-let investment, having pre-approval in place can make a world of difference — especially in competitive markets.

If your fixed-rate mortgage deal is coming to an end this year, now is the time to start preparing. With interest rates fluctuating,...

When you're searching for a mortgage or specialist finance solution, one of the first decisions you’ll face is whether to work with a local broker or go with one of the big national firms. Both have their pros and cons — but at AF & Associates, we believe we offer the best of both worlds.

Refinancing your property loan can help you access better rates, release equity, or consolidate debt. But if your income is complex or...

If you’re a landlord looking to grow your property portfolio, you’ve probably heard about buying property through a Limited Company or Special Purpose Vehicle (SPV). But is it the right choice for you?

If you’re a property investor, you might have heard the term bridging loan but aren’t quite sure how it works or when it’s the right option for you. Bridging loans are short-term finance solutions designed to help you move quickly on property deals when traditional mortgages don’t fit the bill.

Many borrowers assume the high street banks are their only option for finance, but that’s far from true. Specialist financeoffers tailored lending solutions for people and properties that don’t fit mainstream criteria.

AI is reshaping the UK mortgage sector, making applications faster, risk assessment more accurate, and fraud detection stronger. It...

The Bank of England's base rate is a crucial factor in the UK's financial system, influencing borrowing costs, savings rates, and...

With UK interest rates expected to fluctuate in 2025, many homebuyers and homeowners face the decision of whether to choose a fixed or...

As we move through 2025, the UK economy continues to face a mix of recovery and uncertainty. Inflation has shown signs of easing after...

The ongoing war in Ukraine continues to have significant economic repercussions worldwide, including in the UK mortgage market. Since the...

For first-time buyers, 2025 presents both challenges and opportunities in the UK housing market. With interest rates expected to...

As of January 2025, the Bank of England's base rate stands at 4.75%, reflecting a series of adjustments aimed at balancing economic...