Author: Nikhil Bhatia

For years, the biggest barrier to homeownership in the UK hasn’t been the monthly mortgage payments—it’s been the daunting mountain of a deposit. Traditionally, even a “low” 5% deposit on an average £300,000 home required a staggering £15,000 in savings. For many first-time buyers, that figure felt like a finish line that kept moving further…

For many UK residents, a few missed payments or a low credit score can feel like a permanent roadblock to homeownership. However, at Mortgage Bazaar, we believe that your financial past shouldn’t dictate your future. While high-street banks often operate on a “computer says no” basis, a specialist mortgage broker for bad credit can open…

In the 2026 UK property market, savvy homeowners are no longer just “selling and moving.” Instead, they are looking at their current residence as a high-yield investment opportunity. If you are planning to move to a new home, converting your current property into a House in Multiple Occupation (HMO) and placing it within a Limited…

For many landlords in 2026, the question is no longer just about which property to buy, but how to own it. At Mortgage Bazaar, we’ve seen a record-breaking surge in incorporation, with over 66,000 new Buy-to-Let companies established in the UK last year alone. Deciding between personal ownership or a limited company (often called a…

The UK property market of 2026 is a different beast than the one we navigated just a few years ago. The era of frantic bidding wars and “offers over” madness has largely stabilized into what experts call a classic Buyer’s Market. With property inventory at a 12-year high and the Bank of England base rate…

In the world of UK property finance, your credit report is your “financial CV.” A missed payment is essentially a red flag that tells lenders you might be a higher risk. However, in 2026, lenders are shifting away from automated “yes/no” machines and toward manual underwriting—where a human expert looks at the story behind the…

For the millions of self-employed professionals across the UK—from consultants in London to tradespeople in the Midlands—the journey to homeownership often feels like an uphill battle. A common myth persists in the property market: “If you are self-employed, you need a massive deposit and years of perfect accounts to even be considered.” At Mortgage Bazaar,…

For years, the UK housing market has felt like a “Catch-22.” You want to buy a home, but high rents make it nearly impossible to save a 20% deposit. You have the income to cover a mortgage, but you’re worried about locking in a 95% Loan-to-Value (LTV) deal when interest rates aren’t at their historic…

Tonbridge is more than just a historic market town in Kent; for many, it is the gateway to a balanced lifestyle. With its rapid 40-minute rail link to London Bridge, top-tier grammar schools, and the iconic Tonbridge Castle, it’s no wonder the local property market has remained one of the most resilient in the South…