First-time buyer mortgages: everything you need to know before you apply
What you can borrow, how deposits work, what a Decision in Principle is and how credit files are read, explained in plain English before you apply.
June 2026 · 2 min readRead →
Guides & articles
Plain answers to complicated questions.
Guides written by me, for the people I talk to every day. No fluff, no generic advice. If it's on here, it's because someone asked me about it on a call.
Your first remortgage: how to avoid the standard variable rate trap
When your first deal ends, your lender moves you onto its standard variable rate. Here is when to start looking, and how a product transfer compares with a full remortgage.
June 2026 · 2 min readRead →
Business protection explained: key person, shareholder protection and relevant life
What happens to your business if a key person dies or falls seriously ill? A plain guide to key person cover, shareholder protection and relevant life plans.
June 2026 · 2 min readRead →
Critical illness vs income protection: they're not the same thing
They are often assumed to be the same thing. One pays a lump sum on diagnosis of a serious illness; the other replaces income while you cannot work.
June 2026 · 2 min readRead →
Limited company director mortgages: why salary and dividends aren't the whole story
If your accountant has done their job, your drawings look modest on paper. Here is why that can undersell you to a lender, and why the way you pay yourself matters.
June 2026 · 5 min readRead →