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If you are asking “can I get a mortgage with debt?”, the short answer is yes, you may still be able to. Having debt does not automatically stop you getting a mortgage, but it can affect how much

Can You Get a Mortgage on Benefits?

If you are wondering if you can get a mortgage on benefits, the short answer is yes, it may be possible. Receiving benefits does not automatically rule you out of getting a mortgage, but it can affect how

Which Banks Offer Joint Borrower Sole Proprietor Mortgage?

A Joint Borrower Sole Proprietor mortgage, often shortened to a JBSP mortgage, can help people buy a home when their income alone is not enough to meet a lender’s affordability requirements. This type of mortgage is particularly popular

Does Gambling Affect Mortgage Applications?

Applying for a mortgage can feel stressful, especially if you are worried about how your bank statements might look to a lender. If you have gambling transactions on your account, you may be wondering whether this could affect

What Is A Section 106 Agreement & How Does It Affect Mortgages?

When buying a property, you may come across terms that are not familiar at first glance. One of these is a Section 106 agreement. While it sounds like complicated legal jargon, it can have a real impact on

How Long Does A Mortgage Application Take In The UK?

How long does a mortgage application take in the UK? In most cases, the process takes anywhere from two to six weeks from full application to mortgage offer. Some applications move faster, while others take longer depending on

Guides

What Is A Conveyancer, & Do You Need One?

Quick Answer: What Is A Conveyancer? A conveyancer handles the legal work involved in transferring a property from its current owner to you. When buying a home in England or Wales, they check the legal title and contract

2026 Emerging as one of the Strongest Years in Some Time for First-Time Buyers

After several turbulent years for the housing market, 2026 is emerging as one of the most stable periods for first-time buyers in recent memory. That is the assessment of Sharon Duckworth, founder and director of Key Mortgage Advice,

How to Get a Mortgage: First-Time Buyer Guide

Buying your first home is an exciting milestone, but it can also feel overwhelming if you are not sure how the mortgage process works. From understanding how much you can borrow to choosing the right lender and mortgage

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How To Transfer A BTL To A Limited Company

Transferring a buy to let (BTL) property to a limited company is a process many landlords consider to make tax and management planning more efficient. At Key Mortgage Advice, we guide clients through this complex process, ensuring you

What Is A Buy To Let Mortgage?

Your mortgage is one of the most important aspects of buying a property. If you’re purchasing a home to live in, the mortgage process is fairly straightforward. But what if you’re buying a property in order to rent

Top Tips for Landlords

Pressure has grown on buy-to-let landlords in recent years, with new legislation meaning that they have more legal obligations than ever before. If you’re thinking of getting into buy to let, you can keep on top of everything

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What Is A Conveyancer, & Do You Need One?

What Is Income Protection Insurance?

Quick Answer: What Is Income Protection Insurance? If illness or injury stopped you working, how long could you continue paying your mortgage and other household bills without your usual earnings? Income protection insurance is designed to provide a

What Is Mortgage Protection Insurance?

Quick Answer: What Is Mortgage Protection Insurance? Mortgage protection insurance is a broad term used to describe several types of insurance that may help protect you or your family if you are no longer able to keep up

Guides

Improve EPC Before Remortgaging

If you’re approaching the end of your current mortgage deal, you may be wondering whether improving your home’s Energy Performance Certificate (EPC) before remortgaging is worth the investment. The answer depends on your circumstances. Improving your EPC may

Can I Get A Mortgage With Debt?

If you are asking “can I get a mortgage with debt?”, the short answer is yes, you may still be able to. Having debt does not automatically stop you getting a mortgage, but it can affect how much

What Is Remortgaging And How Does It Work?

Remortgaging is the process of replacing your current mortgage with a new deal, either with your existing lender or a new one. At Key Mortgage Advice, we speak to many homeowners who ask what remortgaging actually means and whether it

What Is A Conveyancer, & Do You Need One?

10 September 2026 No Comments

Quick Answer: What Is A Conveyancer? A conveyancer handles the legal work involved in transferring a property from its current owner to you. When buying

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