Author: Nikhil Bhatia
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Partner Is a First-Time Buyer, But I’m Not – How Does This Impact a Joint Mortgage?
Buying a home together is an exciting milestone, and joint mortgages are one of the mostpopular ways couples combine their finances to afford a property. But things can becomeconfusing when one partner is a first-time buyer and the other has owned property before. Many couples ask: “If my partner is a first-time buyer but I’m…
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Overcoming Adverse Credit: Your 2026 Path to Homeownership with Mortgage Bazaar
For many in the UK, the term “adverse credit” feels like a financial life sentence. Whether it wasa missed mobile phone bill during a house move, a period of illness leading to credit carddefaults, or more serious events like a County Court Judgement (CCJ) or bankruptcy, the resultis often the same: the fear that the…
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Navigating Stamp Duty in 2026: The Essential Guide for UK Home Buyers
When you are planning to buy a home, the focus is often on the deposit and the mortgage rate. However, there is one “hidden” cost that can significantly impact your budget: Stamp Duty Land Tax (SDLT). As we move through 2026, the landscape of property tax in the UK has shifted. The temporary “holiday” thresholds…
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The 2026 Guide to Skilled Worker Visa Mortgages: Can You Buy a Home in the UK?
Moving to the UK on a Skilled Worker Visa is a life-changing milestone. Whether you are a techprofessional in London, an engineer in Birmingham, or an NHS doctor in Manchester, theTransition from renting to owning a home is often the next logical step in your journey. However, many international professionals are met with a common…
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Mastering Commercial Lending in 2026: A Strategic Guide for UK Business Owners
The landscape of UK commercial lending has shifted dramatically as we enter 2026. After aperiod of structural adjustment, the market is finally finding its footing. With the Bank of Englandbase rate settling into a more predictable range, businesses from Manchester to London areonce again looking at commercial property as a vehicle for growth rather than…
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Beyond the Keys: The Ultimate Guide to Mortgage Protection in the UK (2026)
Securing a mortgage is often the proudest financial achievement of a person’s life. Whether it’syour first apartment in Manchester or a family home in suburban London, that legal documentrepresents security, stability, and a future. However, at Mortgage Bazaar, we often tell ourclients: Getting the mortgage is only half the battle; keeping it is the other…
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Bank of England Cuts Base Rate to 3.75%: What This Means for First-Time Buyers
The Bank of England’s decision to cut the base interest rate to 3.75% marks a notable turning point for the UK housing and mortgage market. After an extended period of elevated borrowing costs, the move reflects growing confidence that inflationary pressures are easing and that the economy is entering a more balanced phase. While this…
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Mortgage For First-Time Buyers | Mortgage Bazaar
Buying your first home can feel like a big step, but the basic parts of the process are easier thanmany people expect. A mortgage is simply a tool used to buy a home, and lenders look at yourincome, credit, and deposit to understand what fits your budget. You do not need specialknowledge to begin. You…
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A Complete Remortgaging Guide for UK Homeowners
Remortgaging in advance with a Mortgage Bazaar offers significant benefits, primarily the ability to lock in a favorable rate early while the broker continues to monitor for better deals, and leveraging their market expertise and administrative support to ensure a smooth, cost-effective process. Benefits of Remortgaging in Advance Avoid the Standard Variable Rate (SVR) By…
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100% Mortgages Are Back – What You Need to Know
Buying your first home can feel like a big mountain to climb — especially when it comes to saving up for a deposit. But there’s some good news on the horizon… 100% mortgages are back in the UK for the first time in years, and they could be a game-changer for first-time buyers. In this blog,…