Legal & Finance
Mortgage Agreement in Principle: The 2026 Guide
SMSarah Mitchell30 June 202610 min read
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Legal & Finance insights
Legal & Finance
How Much Can I Borrow? UK Mortgage Affordability
How lenders decide what you can borrow in 2026 — income multiples, affordability assessments, stress tests and the outgoings that quietly shrink your budget, with worked examples.
JOJames Okafor29 June 202611 min read
Legal & Finance
The Lifetime ISA for First-Time Buyers: How It Works in 2026
How the Lifetime ISA works for buying your first home in 2026 — the 25% government bonus, the £450,000 property cap, who's eligible, the withdrawal-penalty trap, and how a LISA compares with the old Help to Buy ISA.
SMSarah Mitchell28 June 202611 min read
Legal & Finance
Exchange and Completion Explained: What They Mean
Exchange of contracts makes your purchase legally binding; completion is the day you get the keys. Here is what happens at each stage, the gap between them, and what can still go wrong.
SMSarah Mitchell27 June 202611 min read
Legal & Finance
Bad Credit Mortgage for First-Time Buyers: 2026 Guide
Worried a poor credit history rules you out of homeownership? Here is how UK lenders view adverse credit in 2026, how to improve your file, and why a specialist broker can still get you approved.
SMSarah Mitchell26 June 202611 min read
Legal & Finance
Leasehold vs Freehold: A First-Time Buyer's Guide (2026)
What leasehold and freehold really mean, why lease length matters, the truth about ground rent and service charges, and how leasehold reform is changing the rules for first-time buyers.
SMSarah Mitchell25 June 202611 min read
Legal & Finance
HomeBuyer Survey vs Building Survey: Which Do You Need?
A HomeBuyer Report or a full Building Survey? Understanding the RICS survey levels — and why a mortgage valuation is not a survey — could save you thousands. Here is how to choose the right one for your home.
RHRachel Hughes25 June 202611 min read
Legal & Finance
The Conveyancing Process Explained: A Step-by-Step Timeline
How long does conveyancing take, and what actually happens between offer and completion? A clear, stage-by-stage guide for buyers and sellers.
SMSarah Mitchell2 June 20268 min read
Legal & Finance
The Leasehold Reform Act: What It Means for Flat Owners
Lease extensions, ground rent and service charges are changing. Here is what the Leasehold Reform Act means for flat owners across England and Wales.
SMSarah Mitchell21 May 20268 min read
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