Mortgage and protection guides from the team
Plain-English guides to help you understand your options — written by Dave Surman, mortgage and protection adviser at Bridge Mortgages and Protection.
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Understanding your mortgage options
First-Time Buyer Mortgages: Everything You Need to Know
Deposit requirements, salary multiples, government schemes, stamp duty, and what happens between offer and keys.
Moving Home: Should You Port Your Mortgage or Get a New One?
How porting works, when to pay an ERC, what to do if you need to borrow more, and managing the gap between sale and purchase.
Remortgaging: When to Switch, What It Costs, and How to Get the Best Deal
When to start looking, whether to stay or switch lender, how to borrow more, and what documents you need.
Buy-to-Let Mortgages Explained: Everything Landlords Need to Know
Deposits, rental stress tests, limited company vs personal ownership, yield requirements, and tax implications.
Bad Credit Mortgages: What Is Possible and How to Improve Your Chances
CCJs, defaults, IVAs, missed payments — what they mean for your mortgage options and how specialist lenders assess them.
Bridging Loans Explained: What They Are, What They Cost, and When to Use One
Open vs closed bridging, exit strategies, total cost calculation, how fast you can get funds, and common uses.
Protecting what matters
Life Insurance and Your Mortgage: What You Need, What You Don’t, and How to Choose
Decreasing vs level term, how much cover you need, joint vs single policies, and pre-existing conditions.
Income Protection Insurance: Is It Worth It, and Do You Really Need It?
What it covers, deferred periods, short vs long-term policies, self-employed cover, and why it matters more than most people realise.
Still got questions?
Every situation is different. Book a no-obligation call and get advice tailored to yours.
Initial consultations are completely free of charge. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding but will range from £150 to £500 and this will be discussed and agreed with you at the earliest opportunity.