John Everest | Everest Mortgages

UK Mortgage Rates in October 2026: What’s Happening and What It Means for You

NewsOctober 14, 202655Views 0Likes 0Comments

Facts at a Glance UK Mortgage Rates: October 2026 Bank Rate: 3.75%, held on 17 September Next Bank of England decision: 5 November 2026 2-year fixed rate at 75% LTV: 5.74% average 5-year fixed rate at 75% LTV: 5.81% average 2-year variable rate at 75% LTV: 4.40% average Standard Variable Rate: 7.24% average Data checked:…

How to Get a Mortgage with Bad Credit guide

Guide: How to Get a Mortgage with Bad Credit

NewsOctober 13, 202634Views 0Likes 0Comments

Having bad credit doesn’t mean you can’t own a home — but it can make the process a little more challenging. The good news is, with the right preparation and advice, getting a mortgage with bad credit in the UK is absolutely possible. In this complete guide, we’ll explain what lenders look for, how to…

Think Your Credit Score Is Too Low for a Mortgage? 10 Things That Could Help

NewsOctober 12, 202634Views 0Likes 0Comments

Quick Answer A low credit score does not automatically rule out a mortgage, even if you have multiple debts. Start by checking all three credit reports, correcting errors, keeping repayments up to date and avoiding unnecessary new borrowing. Lenders use their own criteria and assess your wider finances, so the right mortgage option may depend…

Mortgage Declined Because of Bad Credit? 8 Things You Can Do Next

NewsOctober 8, 202654Views 0Likes 0Comments

Quick Answer If your mortgage was declined because of bad credit, do not rush into another application. Find out why you were declined, check your credit reports, review your affordability and allow time for recent adverse credit to improve where necessary. You can then assess whether another lender's criteria may fit your circumstances or whether…

Can You Add Stamp Duty to a Mortgage?

NewsOctober 6, 202660Views 0Likes 0Comments

Buying a property already comes with plenty of expenses — from deposits and solicitor fees to surveys and moving costs. One of the biggest extra costs is Stamp Duty Land Tax (SDLT). A common question homebuyers ask is: “Can I add stamp duty to my mortgage?” The answer is: not directly, but there are ways…

Could an Offset Mortgage Save You Thousands? 7 Borrowers Who Could Benefit

NewsOctober 5, 202662Views 0Likes 0Comments

Quick Answer Yes, an offset mortgage could save you thousands, but it depends on how much you keep in savings, your mortgage rate, fees and how long the money remains offset. It can be particularly useful for borrowers with substantial cash savings, irregular income, regular bonuses or a large emergency fund. However, a higher offset…

Should You Remortgage Now? What Rising Mortgage Rates Could Mean

UncategorizedOctober 2, 202675Views 0Likes 0Comments

Facts at a Glance UK Mortgage Rates: Where Things Stand Bank Rate: 3.75%, held on 17 September 2026 MPC vote: 6–3 to hold Bank Rate at 3.75% Average UK 2-year fixed mortgage rate: 5.92% Average UK 5-year fixed mortgage rate: 5.94% Fixed-rate mortgages due to expire in 2026: around 1.8 million Next Bank of England…

Before You Consolidate Debt into Your Mortgage: 10 Things You Need to Know

NewsOctober 1, 202663Views 0Likes 0Comments

Quick Answer Consolidating debt into your mortgage can reduce your monthly payments, but it can also increase the total interest you pay and turn unsecured debt into debt secured against your home. Before proceeding, check the full repayment cost, your loan-to-value ratio, any fees or charges, and whether a lower-risk alternative could be a better…

Your First Home Scheme: What’s Been Announced So Far

NewsSeptember 30, 202679Views 0Likes 0Comments

Facts at a Glance Your First Home: What's Been Announced Announced: 26 September 2026 by the Government Who it's for: First-time buyers in England Property type: New-build homes from participating developers Deposit: As low as 2.5% Government support: Up to a 20% government-backed equity loan Interest: An initial interest-free period applies, although the length has…

Not Just a Mortgage Broker: John Everest’’s 21 Years of Finance and Property Experience

NewsSeptember 29, 2026126Views 1Like 0Comments

Facts at a Glance John Everest | Mortgage Broker, Everest Mortgages, Brighton 21 years in financial services · CeMAP-qualified, whole-of-market mortgage adviser · FCA-regulated · 15+ personal property purchases · Helped investors build portfolios from £0 to £20 million · Featured in national media Quick Answer I’m not just a mortgage broker. I’ve spent 21…

7 Types of Bad Credit That Might Not Stop You Getting a Mortgage

NewsSeptember 28, 202671Views 0Likes 0Comments

Quick Answer Bad credit does not automatically stop you getting a mortgage. Missed payments, defaults, CCJs, completed DMPs, IVAs, discharged bankruptcy and even a previous repossession may be considered by some lenders depending on the type, age and severity of the issue, whether debts have been settled, your deposit, affordability and your credit conduct since.…

10 Questions to Ask Before Borrowing £25,000+ Against Your Home in Brighton and Hove

NewsSeptember 24, 202695Views 0Likes 0Comments

Quick Answer Borrowing £25,000 or more against your home in Brighton and Hove can be a suitable option for home improvements, debt consolidation, or major expenses, but it also places your property at risk if repayments are not maintained. Before proceeding, homeowners should assess affordability, total borrowing costs, loan-to-value impact, repayment strategy, and alternative financing…