Your Trusted Resource for Expert Mortgage Advice
Whether you’re buying your first home, remortgaging, moving home or navigating more complex circumstances such as bad credit or self-employment, understanding your mortgage options can feel overwhelming.
Our Mortgage Advice Guides have been created to answer the questions we hear every day from clients across England and Wales. Written in plain English, each guide explains how mortgages work, what lenders may consider and the options that could be available, helping you make informed decisions with confidence.
At A Little Mortgage Advice, we’re proud to be based in Benfleet, Essex, while helping clients throughout England and Wales. Whether you’re looking for information about deposits, affordability, credit history, income types or the mortgage application process, you’ll find clear, straightforward guidance designed to make your mortgage journey easier.
Browse the topics below to explore our growing library of mortgage advice. If you can’t find the answer you’re looking for, or you’d prefer advice tailored to your personal circumstances, speak to our experienced Mortgage Advisor today.
Bad Credit Mortgages
Past credit issues don’t always prevent you from getting a mortgage. These guides explain how lenders may assess different types of adverse credit and the options that could still be available.
Related Hub
Guides
- Mortgage with Missed Payments
- Mortgage with Defaults
- Mortgage with CCJs
- Mortgage after IVA
- Mortgage after Bankruptcy
- Mortgage after Payday Loans
First-Time Buyer Mortgages
Buying your first home is an exciting milestone, but it can also feel confusing. These guides explain deposits, affordability, Agreements in Principle and every stage of the mortgage process to help you buy with confidence.
Related Hub
Guides
- How Much Deposit Do I Need?
- Gifted Deposit
- Mortgage with Parents,Helping
- How Much Can I Borrow?
- Mortgage Process
- Agreement in Principle
Income & Affordability
Lenders assess income in different ways depending on your circumstances. Whether you’re employed, self-employed or receive additional income, these guides explain how affordability is typically assessed.
Guides
- Mortgage with Overtime
- Mortgage with Bonus Income
- Mortgage with Commission
- Mortgage with Two Jobs
- Mortgage while Self Employed
- Mortgage with Pension Income
Life Changes
Major life events can affect your mortgage options. These guides explain how changing circumstances may impact your application and what you should consider before applying.
Guides
- Mortgage after Divorce
- Mortgage when Separating
- Mortgage after Inheritance
- Mortgage after Maternity Leave
- Mortgage if Over 50
- Mortgage if Over 60
Remortgages
Whether your current deal is ending, you’re looking to reduce your monthly payments or release equity from your home, these guides explain the remortgage process and the options available.
Guides
- Can I remortgage early?
- Remortgage to consolidate debt
- Remortgage for home improvements
- Remortgage to release equity
- Remortgage to pay off credit cards
- How does remortgaging work?
Need Personalised Mortgage Advice?
Every mortgage application is unique, and online guides can only take you so far. If you’d like advice tailored to your circumstances, speak to our experienced Mortgage Advisor who can recommend the most suitable mortgage for your needs.
Contact A Little Mortgage Advice today and let us help you move forward with confidence.
What can I learn from these Mortgage Advice Guides?
Our Mortgage Advice Guides cover a wide range of mortgage topics, including first-time buyers, remortgages, bad credit mortgages, deposits, affordability, self-employment and much more. Each guide is designed to help you understand your options before speaking to our experienced Mortgage Advisor.
Are these Mortgage Advice Guides free?
Yes. Every guide is completely free to read and has been written to help you better understand the mortgage process and answer the questions we’re asked most often.
Can I get a mortgage if I have bad credit?
It may still be possible. Many lenders will consider applications from people with previous credit issues, depending on the type of adverse credit, how long ago it occurred and your current financial circumstances. Visit our Bad Credit Mortgage Guides to learn more.
Which Mortgage Advice Guide should I read first?
If you’re buying your first home, start with our First-Time Buyer Guides. If you’re remortgaging, explore our Remortgage Guides. If you’re worried about your credit history, our Bad Credit Mortgage Guides are a great place to begin.
Are your Mortgage Advice Guides suitable for self-employed applicants?
Yes. We have guides covering self-employed mortgages, overtime, bonus income, commission, multiple jobs and other income types to help explain how lenders may assess affordability.
What if I can’t find the answer I’m looking for?
If you can’t find the information you need, speak to our experienced Mortgage Advisor. We’ll take the time to understand your circumstances and recommend the most suitable mortgage options for you.