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When it comes to buying a home-or remortgaging-there’s no shortage of decisions to make. Fixed rate or tracker? Two years or five? Go direct to a lender or speak to a mortgage broker or adviser? One question we hear a lot at Brancaster House Financial Planning is: “Is it worth using a mortgage adviser—and how much do they charge?” It’s a fair question. Mortgages are one of the biggest financial commitments most of us ever make, and in today’s climate of rising rates and ch

If you’ve got a mortgage, chances are you’ve seen your monthly payments rise sharply in the last couple of years. Whether you’re on a fixed rate that’s about to end, or you’ve already slipped onto your lender’s standard variable rate, the big question we often get asked is: “When should I start looking for my remortgage deal?” And the short answer? Sooner than you think. At Brancaster House Financial Planning, we support people across Norwich and Norfolk in making sense

Whether you're buying your first home or expanding your property portfolio as a landlord, one of the first questions you'll ask is: how much can I borrow? In the UK, lenders use affordability criteria to calculate mortgage borrowing limits. These criteria differ depending on whether you're applying for a residential mortgage (to live in the property) or a buy-to-let mortgage (to rent it out). This guide explains how UK mortgage lenders assess affordability for both resident