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Appletree first time buyer advice
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How can the Bank of Family support first time buyers?

Getting onto the property ladder has never been easy, and with rising house prices and the cost of living continuing to squeeze savings, many first-time buyers are turning to family for a helping hand. According to recent research, gifts and loans from the so-called “Bank of Mum and Dad” totalled around £9.4 billion in 2023. If it were a real bank, it would be one of the largest in the UK! But these days, it’s more accurate to call it the Bank of Family, as support now often comes from parents, grandparents, and even siblings. At Appletree, we see many…
David Gallagher
November 17, 2025
appletree mortgage advice blackpool
Latest Newsmortgage

Your Mortgage Deal is Ending

Thousands of homeowners are approaching the end of their fixed-rate mortgage deals. After a period of rising interest rates and higher monthly costs, there are signs the mortgage market is beginning to settle. For some, that could mean monthly payments may actually go down when they move onto a new deal. Whether your payments rise or fall, this is a crucial time to review your options. Understanding what happens when a mortgage deal ends, and the routes available, can help you plan with clarity. What happens when your deal ends When a fixed-rate deal finishes, most mortgages automatically move onto…
David Gallagher
November 10, 2025
Appletree Mortgage Advice Blackpool
Latest Newsmortgage

The True Cost of Buying a Home

the Deposit When people think about buying a home, the focus is usually on saving for the deposit. But while the deposit is the biggest upfront cost, it is far from the only one. If you are preparing to buy your first property, it is important to understand all the costs involved so you are not caught out by unexpected expenses. Why It Matters Buying a home is one of the biggest financial commitments you will ever make. Budgeting for the deposit is essential, but if you do not also plan for the extra costs, you could face delays, added…
David Gallagher
November 3, 2025
financial advice blackpool
Latest Newsmortgage

When Life Doesn’t Go to Plan

Most of us picture the future in straight lines: steady work, a safe home, savings that grow, and plans we can rely on. But life rarely follows that path. A job loss, a health diagnosis, a bereavement, or unexpected family changes can arrive without warning. When events like these happen, finances often feel harder to manage. Payments that once felt manageable can suddenly seem daunting. Decisions that were routine may now feel complicated, urgent, or overwhelming. In times like this, financial advice can provide clarity, reassurance, and a structured way forward.There is a common belief that financial advice is only…
David Gallagher
October 27, 2025
Appletree Finance mortgage advice
Latest Newsmortgage

Remortgaging

According to the Bank of England, 3.6 million mortgages are set to be renegotiated over the next three years, around 41% of all outstanding home loans. If you are one of them, it’s natural to have questions about what happens next. Remortgaging can feel daunting, particularly if your last deal was fixed two or five years ago. The market has shifted considerably, rates have changed, and the process itself can be confusing. To help you prepare, here are answers to some of the most common remortgage questions. What is a remortgage? Remortgaging is when you switch to a new mortgage…
David Gallagher
October 20, 2025
mortgage advice blackpool
Latest Newsmortgage

What Are the Pros and Cons of 100% Mortgages?

A 100% mortgage is a home loan that allows you to buy a property without putting down any deposit. Before the 2008 financial crisis, deposit-free mortgages were widely available, with some lenders even letting borrowers take out more than the property’s value to cover living costs. After the crash, these products disappeared from the market. In 2023, as first-time buyers continued to struggle with high rents and rising living costs, some lenders began to reintroduce 100% mortgages. For example, if you wanted to buy a property worth £325,000, you could borrow the full £325,000. Any lender offering such a product…
David Gallagher
September 22, 2025
appletree financial advice
Latest NewsmortgagePensionwealth management

Unfair Commercial Practices: The Hidden Risks Consumers Should Know About

What does “unfair commercial practices” mean? Unfair commercial practices refer to behaviours designed to mislead or pressure consumers into making decisions they might not otherwise choose. These often involve presenting incomplete or misleading information, creating a false sense of urgency, or using design tactics that make opting out difficult. While EU regulations like the Unfair Commercial Practices Directive aim to protect consumers, gaps remain. In today’s digital marketplace, certain practices continue to create challenges for transparency and fairness, especially in financial services.Financial services are highly regulated, but misleading strategies still emerge, particularly online. From social media promotions to algorithm-driven pricing,…
David Gallagher
August 11, 2025
Appletree FS mortgage advice
Latest Newsmortgage

Mortgage Borrowing, Interest Rates, and What It Means for You

There’s been a lot of movement in the mortgage market recently, and if you’re thinking about buying your first home or remortgaging, these changes could affect your plans. Nationwide has announced an expansion to its Helping Hand mortgage scheme, allowing some borrowers to access up to six times their income and at a lower entry point than before. At the same time, all eyes are on the Bank of England’s August meeting, where a potential interest rate cut could shape what you pay each month. Here’s what you need to know.Nationwide has lowered its income threshold for higher lending, meaning…
David Gallagher
August 4, 2025
mortgage advice Blckpool
Latest Newsmortgage

Buying A Home In 2025

Buying a home in 2025 requires thorough preparation and careful consideration of several factors to ensure a successful purchase. Here are eight essential aspects to keep in mind: Prepare Your Documentation Lenders will require a range of documents to assess your mortgage application. Ensure you have the following ready: Proof of Income: Recent payslips, tax returns, or business accounts if self-employed. Bank Statements: Typically covering the last three to six months. Identification: Valid photo ID and proof of address. For self-employed applicants, proving consistent income can be more complex. Keeping detailed financial records and seeking specialist advice may be beneficial…
David Gallagher
July 14, 2025
Appletree Self employed mortgage advice
Latest Newsmortgage

Self-Employed and Looking for a Mortgage? Here’s What You Need to Know

If you’re self-employed and trying to get a mortgage, it can sometimes feel like you’re being asked to jump through hoops that others don’t even see. The process isn’t impossible, but it can be more complex. That’s where we come in. At Appletree, we specialise in helping self-employed individuals navigate the mortgage process with confidence. Whether you’re a sole trader, limited company director or contractor, we’re here to make things clearer and more manageable. Despite the name, there’s no separate product called a “self-employed mortgage.” You’ll be applying for the same mortgage deals that employed applicants can access. The difference…
David Gallagher
May 18, 2025
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