Leah's Lending Library

You do not have to wait until the last day of your fixed-rate mortgage deal to review your options. In many cases, we can look at a new mortgage several months before your current deal ends, giving you more time to consider what your future payments could look like. That extra breathing room can feel especially helpful during autumn, when household spending may rise and the months ahead can seem expensive. The best timing will depend on your current mortgage, any charges for

Uneven income does not automatically rule out a mortgage. If you are self-employed, lenders will usually want a fuller view of how your business earns money, rather than simply checking for the same payslip amount each month. As autumn property searches pick up, you may be hoping to move before the year ends or planning ahead for a fresh start. We help you understand what lenders are likely to look for, how to prepare your paperwork and why the right lender can make a real di

The UK buy-to-let market has changed more in the last decade than it did in the twenty before it. Once upon a time, landlords could buy a rental property in their personal name, claim generous tax relief, and watch the numbers stack up with very little friction. But those days? Pretty much over. Today, more and more landlords, from first-timers to seasoned portfolio owners, are choosing to buy through limited companies instead. And there’s a good reason for that. Actually, se

When you run your own business, it’s not just your job, it’s your income, your future, and what keeps everything ticking over at home too. The business pays the mortgage, keeps the lights on, covers the school trips, the food shop, the holidays — everything that makes life work. So, if something happened to you, if you couldn’t work because of illness or injury, or worse, it wouldn’t just hit the business. It would hit home too. That’s why protecting your business is protecti

For years, buying a home has been painted as something you do after — after you meet someone, after you get married, after life “falls into place.” But the truth is, there are so many reasons people buy alone — and none of them should come with fear or shame. Some of us buy alone after a divorce. Some have a partner but buy alone for financial safety. Some because we haven’t met the right person yet — but we’re done waiting to build our lives around “one day.” Whatever yo

AI is everywhere right now. It can write your emails, generate holiday itineraries, and even tell you what to eat for dinner. So...

As a mortgage advisor, one of the most common conversations I have is with people who are curious about buy-to-let but aren’t quite sure...

Being self-employed comes with a lot of freedom, but when it comes to applying for a mortgage, it can feel like a bit of a minefield. As...

Ghosted by Your Bank (or Broker)? Let’s Not. We’ve all been there — waiting on a message, refreshing the app, wondering if we imagined...

Let’s face it: mortgages, insurance, and financial jargon aren’t exactly the stuff of dreams. But buying a home, protecting your family,...

When people come to me for mortgage advice, we naturally spend a lot of time talking about interest rates, deposits, and repayments. But...

5 Minute Read A remortgage is the process of switching your current mortgage to a new deal, either with your current lender or a...