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How Stamp Duty Changes and Interest Rate Stability Are Shaping the UK Property Market in 2025
The UK property market has kicked off 2025 with notable changes, both for buyers and homeowners. Following the expiration of temporary...
Damon Chavez
Apr 293 min read
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Low-Deposit Mortgages Reach 17-Year High, Offering New Opportunities for First-Time Buyers
The availability of low-deposit mortgages in the UK has reached its highest level since the financial crisis of 2008, according to new...
Damon Chavez
Apr 163 min read
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The Impact of Recent Stamp Duty Changes on First-Time Buyers
The journey to homeownership is filled with excitement and challenges, and for first-time buyers in the UK, understanding the financial...
Damon Chavez
Feb 74 min read
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The £5k Deposit Mortgage: A Game-Changer for First-Time Buyers?
The journey to homeownership can be daunting, especially for first-time buyers struggling to save for a deposit. The £5k Deposit Mortgage...
Damon Chavez
Feb 67 min read
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Understanding Higher Loan-to-Income Ratios
What Are High LTI Mortgages? Buying a home is a big step, and mortgages help make it possible for many people. Recently, some lenders...
Damon Chavez
Jan 224 min read
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The Role of a Mortgage Adviser: What You Need to Know
The mortgage world can be confusing, but that’s where a mortgage adviser comes in. These experts guide you through the process of...
Damon Chavez
Jan 143 min read
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The Impact of Interest Rates on Your Mortgage
Interest rates play a crucial role in determining how much your mortgage will cost by directly influencing your monthly payments and the...
Damon Chavez
Jan 143 min read
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Understanding Buy-to-Let Mortgages: What’s Changing for Landlords in 2024?
The UK buy-to-let (BTL) market has seen significant shifts in recent years, and 2024 is no exception. With rising interest rates, changes...
Damon Chavez
Dec 12, 20244 min read
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Do I Need a High Credit Score for a Mortgage? 9 Proven Tips to Boost Your Chances
Getting a mortgage often hinges on your credit score, but how high does it need to be? This guide covers everything you need to know...
Damon Chavez
Nov 5, 20245 min read
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How Interest Rate Changes Affect Your Mortgage in 2024
How Do Interest Rate Changes Impact Your Mortgage? Interest rate changes can significantly impact your mortgage payments, especially if...
Damon Chavez
Oct 17, 20243 min read
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Navigating the Challenges of Self-Employed Mortgages
More than four million people in the UK are self-employed, representing about 12% of the workforce. Securing a mortgage can sometimes...
Damon Chavez
Oct 1, 20244 min read
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Understanding Interest-Only Mortgages in the UK
Interest-only mortgages can offer significant flexibility, but they also come with specific responsibilities and risks. This guide...
Damon Chavez
Sep 25, 20245 min read
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The Benefits of Overpaying Your Mortgage
Overpaying your mortgage can be one of the most effective financial strategies for reducing your long-term debt and potentially saving...
Damon Chavez
Aug 29, 20245 min read
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The Mortgage Application Process Explained
This article will walk you through the key stages of securing a mortgage

Damon Chavez
Aug 14, 20244 min read
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Understanding Mortgage Rates: How do Mortgages work?
Mortgage type guide

Damon Chavez
Aug 5, 20248 min read
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The UK general election 2024 and its impact on the mortgage and housing market.
As a mortgage advisor, part of my role is to help you navigate through the complexities of the housing market, especially during times of...
threekeysmortgages
Jun 27, 20245 min read
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