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For many self-employed individuals and limited company directors, the dream of homeownership can feel just out of reach — especially when you’ve only got one year’s trading history. Traditional lenders often prefer at least two or three years of accounts, but that doesn’t mean getting a mortgage is impossible.At Mortgage321, we specialise in helping clients with non-conforming circumstances — including those who’ve recently gone self-employed or incorporated their business. With over 30 years of experience, we know which lenders are open to flexible approaches and how to present your case in the best possible light.<h3>Why Lenders Prefer Two Years of Accounts </h3>From a lender’s perspective, two or more years of accounts demonstrate a pattern of income and stability. It helps them see that your business is sustainable and your income reliable. However, for many newly self-employed professionals or directors, that requirement doesn’t reflect reality. You may have:<ul><li>Transitioned from employed to self-employed in the same industry </li><li>Set up a limited company after years of contracting or sole trading </li><li>Experienced strong early profits but haven’t yet completed a second financial year </li></ul>Fortunately, the lending landscape has evolved — and that’s where we come in.<h3>Getting a Mortgage with Only One Year’s Accounts</h3>While high-street lenders may decline such cases, several specialist and intermediary-only lenders are willing to consider applicants with a single year’s accounts — provided the case is well-packaged and supported by clear documentation.Depending on your circumstances, lenders may assess:<ul><li>Latest year’s net profit or director’s salary plus dividends </li><li>Accountant-certified projections (for growing businesses) </li><li>SA302s and Tax Year Overviews from HMRC </li><li>Business bank statements to evidence turnover stability </li><li>Employment background (for example, if you’ve moved from PAYE to self-employment in the same trade) </li></ul>At Mortgage321, we know which lenders can accommodate these nuances — from self-employed sole traders through to directors of newly formed limited companies.<h3>How Mortgage321 Can Help </h3>We understand that every business — and every client — is different. That’s why we take the time to review your full financial picture, not just the numbers on paper.Our role includes: ✅ Identifying lenders that will accept one year’s trading figures ✅ Working with your accountant to ensure your documents are lender-ready ✅ Highlighting strengths such as consistent income, industry experience, or future contracts ✅ Presenting your case in a way that makes sense to underwriters ✅ Managing the full mortgage process from initial assessment to completionEven if your situation doesn’t fit a “standard” profile, our expertise in specialist mortgage lending means we can often secure solutions where others say no.<h3>Example Scenarios We Regularly Help With </h3><ul><li>A contractor who’s recently gone limited but has years of experience in the same role </li><li>A self-employed tradesperson with one strong year of accounts and a growing order book </li><li>A company director taking modest dividends but showing strong retained profits </li><li>A business owner returning to self-employment after a career break or partnership change </li></ul>Each of these situations can be navigated with the right advice and lender choice.<figure id="figure-d4b628b8jsmgw40gb8"><img id="d4b628b8jsmgw40gb8" src="https://media.gettyimages.com/id/2202982618/photo/male-call-center-agent-working-on-computer-in-busy-office.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=Msqus6co-JVZcQB4hJo368GC9VQczL1VeWhhoPVjT6I=" alt="Male call center agent working on computer in busy office" title="Male call center agent working on computer in busy office" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/2202982618/photo/male-call-center-agent-working-on-computer-in-busy-office.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=Msqus6co-JVZcQB4hJo368GC9VQczL1VeWhhoPVjT6I=" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure><h3>Final Thoughts </h3>Getting a mortgage with only one year’s accounts is entirely possible — it just requires the right approach and access to the right lenders.At Mortgage321, we specialise in helping self-employed clients, contractors, and company directors secure mortgages tailored to their unique circumstances. Whether you’re buying your first home, remortgaging, or investing through your company, we’ll guide you through every step with clarity and confidence.&nbsp; 📞 Talk to a professional today If you’ve only got one year’s accounts and want to explore your mortgage options, get in touch with Mortgage321. We’ll assess your eligibility, outline what’s achievable, and help you secure a solution that works for you and your business.👉 Call 0800 612 8292 or visit <a data-mce-href="http://www.mortgage321.co.uk" href="http://www.mortgage321.co.uk">www.mortgage321.co.uk</a> to arrange a consultation.<figure id="figure-kdti4sv7zmgw4171e"><img id="kdti4sv7zmgw4171e" src="https://media.gettyimages.com/id/2223392299/photo/caucasian-young-businesswoman-real-estate-agent-showing-the-keys-of-new-home-in-office-lobby.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=FKfjd48VxE0pJ7vD0vm2DTo0WL2OE4h0vZnGMOuUmHo=" alt="Caucasian young businesswoman real estate agent showing the keys of new home in office lobby" title="Caucasian young businesswoman real estate agent showing the keys of new home in office lobby" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: 50% 30%;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="50%" data-positiony="30%" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/2223392299/photo/caucasian-young-businesswoman-real-estate-agent-showing-the-keys-of-new-home-in-office-lobby.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=FKfjd48VxE0pJ7vD0vm2DTo0WL2OE4h0vZnGMOuUmHo=" data-mce-style="aspect-ratio: 16/9; object-position: 50% 30%;"></figure>

Getting a Mortgage with Only One Year’s Accounts: What You Need to Know

At Mortgage321, we pride ourselves on helping clients navigate challenging mortgage scenarios — the kind that don’t fit neatly into the boxes of traditional high-street lending.Recently, we assisted a couple who owned a mixed-use investment property comprising a ground-floor commercial unit and a self-contained flat above. Their situation illustrates just how complex semi-commercial borrowing can be — and how experience, persistence, and the right lender relationships can make all the difference.<h3>The Challenge </h3>The clients originally financed their property through a semi-commercial mortgage that was approaching the end of its term. Their goals were twofold:<ul><li>To repay the existing facility with their current lender, which had reverted to a high variable rate. </li><li>To raise additional funds to replenish savings used to refurbish the residential flat, which had recently been modernised to achieve market rent. </li></ul>However, the process wasn’t straightforward. The case presented several challenges:<ul><li>A vacant period while refurbishment works were carried out meant that rental income was temporarily reduced. </li><li>A mixed-use title (single freehold with both residential and commercial elements) limited the choice of lenders willing to consider the application. </li><li>The existing lender’s payment history appeared “irregular” on paper due to timing mismatches in rent receipts — although all payments had in fact been made within the month due. </li><li>A down valuation reduced the property’s assessed market value, impacting the available loan-to-value ratio. </li><li>Additional documentation and clarification were required around rental income declarations and taxation. </li></ul><h3>Our Approach </h3>At Mortgage321, we know that no two specialist cases are the same. Rather than relying solely on mainstream sourcing systems, we conducted manual research across our panel of specialist lenders — speaking directly with underwriters and business development managers to understand their appetite for semi-commercial lending.We identified Interbay Commercial as the most suitable lender based on their flexible underwriting, competitive 5-year fixed rate, and understanding of mixed-use property investment.We worked closely with both the lender and the client’s accountant to address each stage of the underwriter’s queries. This included:<ul><li>Providing a full explanation of the existing mortgage payment pattern. </li><li>Coordinating HMRC documentation to evidence rental income declarations. </li><li>Supplying property schedules, tenancy agreements, and confirmation of a new Energy Performance Certificate (EPC). </li><li>Supporting the client through the valuation process and liaising with the underwriter through several rounds of internal review. </li></ul><h3>The Outcome </h3>After detailed assessment, the application was approved and a formal mortgage offer was issued. The new facility provided:<ul><li>A competitive fixed rate for 5 years, protecting against further rate rises. </li><li>Capital raised to recover refurbishment costs. </li><li>A lending structure aligned with the client’s long-term investment goals. </li></ul>Despite a lengthy and detailed underwriting process, the clients were able to secure a facility that reflected the true value and potential of their property — and now benefit from stable payments, improved rental income, and a refreshed investment asset.<h3>Why It Matters </h3>This case is a great example of what Mortgage321 does best — guiding clients through complex lending situations with clarity, persistence, and experience.Semi-commercial mortgages often require more than just form-filling; they demand proactive communication, creative problem-solving, and an understanding of how different lenders interpret risk.If you’re a property investor or business owner facing a similar challenge — perhaps a commercial mortgage renewal, refinancing need, or capital-raising project — our team at Mortgage321 can help you find a tailored solution.&nbsp; Mortgage321 – Specialist Mortgage Advice for Complex Cases 📞 0800 612 8292 | ✉️ info@mortgage321.co.uk Helping you turn complex property finance into clear, achievable outcomes.<figure id="figure-2a83zqra3gmgghu68b" class=""><img id="2a83zqra3gmgghu68b" src="https://media.gettyimages.com/id/1205700235/photo/remortgage-handwritten-word-by-man.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=iRFD1aHGPoFq_CczsHWS7V6DSk7GMALffwaDXZ0yc08=" alt="Remortgage handwritten word by man." title="Remortgage handwritten word by man." class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/1205700235/photo/remortgage-handwritten-word-by-man.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=iRFD1aHGPoFq_CczsHWS7V6DSk7GMALffwaDXZ0yc08=" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>

How Mortgage321 Helped a Client Secure a Complex Semi-Commercial Remortgage

At Mortgage321, we’re often asked whether moving a property into a limited company can help reduce Stamp Duty Land Tax (SDLT) on future purchases. It’s a smart question, especially as more landlords and investors use limited company structures for tax efficiency and portfolio growth.But when it comes to your main residence, the rules can be surprising.<h3>The 3% Additional Stamp Duty Levy – A Quick Refresher </h3>In April 2016, the government introduced a 3% SDLT surcharge on most purchases of additional residential properties in England and Northern Ireland. This applies to second homes, buy-to-lets, and investment properties.The key exemption is when you sell your main home and replace it with another main home. In this case, you usually won’t pay the extra 3% (or you may reclaim it if you paid it at completion).<h3>What If You Sell Your Home to Your Limited Company? </h3>Some homeowners consider selling their current residence to their own limited company before purchasing a new home. At first glance, it seems logical:<ul><li>You’re selling your main residence. </li><li>You’re buying a new one to live in. </li><li>Surely this should count as a “replacement of main residence” and avoid the surcharge? </li></ul>Unfortunately, HMRC takes a different view.Because the sale is to a company you control, it’s treated as a “connected party transaction.” For SDLT purposes, this does not count as a true disposal of your main residence.👉 This means that when you buy your new home, HMRC will still view you as owning more than one property – and the 3% surcharge will still apply.<h3>Double SDLT to Consider </h3>There’s also another catch:<ul><li>Your company will have to pay SDLT (including the 3% surcharge) when it buys your old home. </li><li>You will then personally face SDLT (again with the 3% surcharge) when you purchase your new residence. </li></ul>That’s a double SDLT hit, which can make this route very costly.<h3>When Moving Property to a Company Makes Sense </h3>Transferring property to a limited company is often used for:<ul><li>Buy-to-let portfolios where rental income is being reinvested. </li><li>Tax planning, especially for higher-rate taxpayers. </li><li>Portfolio growth, where lenders may offer more flexible terms to companies. </li></ul>But as a tool for avoiding the 3% SDLT levy on your own home? Unfortunately, it doesn’t work.<h3>Smarter Alternatives </h3>If your goal is to move home without triggering the additional levy, the straightforward route is to sell your main residence on the open market and buy your next one personally.For landlords looking at restructuring, there may be other tax-efficient strategies – but these need careful planning around:<ul><li>Capital Gains Tax (CGT) </li><li>SDLT implications </li><li>Mortgage refinancing in the company name </li></ul>At Mortgage321, we regularly help clients weigh up these options and structure finance in a way that avoids costly mistakes.<h3>Final Word </h3>Selling your home to your limited company does not exempt you from the 3% SDLT surcharge on your next purchase. In fact, it could result in paying the surcharge twice.If you’re considering moving properties into a limited company or planning your next property purchase, it’s essential to get the right advice before you act.✅ Thinking about restructuring or buying your next property? At Mortgage321, we specialise in complex mortgage scenarios, including limited company lending, portfolio refinancing, and specialist buy-to-let strategies.📞 Call us today on 0800 612 8292 or email <a href="mailto:info@mortgage321.co.uk">info@mortgage321.co.uk</a> to arrange a no-obligation consultation. Let’s make sure your next move is structured in the most cost-effective way possible.💡 At Mortgage321, we specialise in complex property finance – from buy-to-let portfolios to limited company structures and beyond. Get in touch today to explore your options with confidence.<figure id="figure-nkxrmu59omg5ff4ac"><img id="nkxrmu59omg5ff4ac" src="https://media.gettyimages.com/id/2186746635/photo/a-vibrant-orange-paper-house-model-isolated-against-a-blue-background-with-ample-copy-space.jpg?b=1&s=2048x2048&w=0&k=20&c=5GyvEvFfb75W5ssa6YmlOZFXEXoTcyrbbR5LKiEzmq0=" alt="A vibrant orange paper house model isolated against a blue background with ample copy space" title="A vibrant orange paper house model isolated against a blue background with ample copy space" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionX="undefined" data-positionY="undefined" data-fullWidth="false"/></figure>

Selling Your Home to a Limited Company – Will You Still Pay the 3% Stamp Duty Surcharge?

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Moving home is an exciting step – but when you’re both selling your current property and purchasing a new one, the process can feel overwhelming. Timing, finance, and logistics all need to line up, and it’s easy to get stuck in the detail.At Mortgage321, we help clients every day who are navigating this exact journey. With the right plan, you can make the move smoothly and with confidence.<h3>Step 1: Understand Your Current Mortgage </h3>Before you put your home on the market, it’s important to check:<ul><li>Early Repayment Charges (ERCs): Will you face fees for paying off your mortgage early? </li><li>Porting Options: Can you transfer (“port”) your existing mortgage to your new property? </li><li>Remaining Balance &amp; Equity: How much equity will you release from your sale to use as your deposit?</li></ul>Mortgage321 will review your existing deal and explain the pros and cons of keeping it, porting it, or switching to a new mortgage.<h3>Step 2: Work Out Your Affordability </h3>Selling gives you access to equity – but affordability still plays a key role in your new mortgage. Lenders will look at your income, commitments, and credit profile. We’ll help you understand:<ul><li>How much you can realistically borrow </li><li>What your new monthly payments will look like </li><li>How stamp duty, legal costs, and moving expenses fit into your budget </li></ul>This way, you’ll know exactly where you stand before you commit to an offer on your next home.<h3>Step 3: Plan for Timing Gaps </h3>In an ideal world, your sale and purchase would complete on the same day. In reality, chains can break or timelines may not align.Mortgage321 can help you explore solutions such as:<ul><li>Bridging Finance: A short-term loan to cover the gap between sale and purchase. </li><li>Let-to-Buy: Letting out your current home and purchasing a new one if selling immediately isn’t right for you.</li></ul>With flexible finance options, you won’t feel pressured into rushed decisions.<h3>Step 4: Keep the Process Moving </h3>We coordinate closely with your solicitor, estate agent, and lender to keep everything on track. Our aim is to:<ul><li>Avoid unnecessary delays </li><li>Keep you updated at every stage </li><li>Provide options if circumstances change</li></ul><h3>Why Clients Trust Mortgage321</h3><ul><li>Independent, whole-of-market advice </li><li>Specialist knowledge of complex and non-standard cases </li><li>Over 30 years of mortgage expertise </li><li>Personal, one-to-one support from start to finish </li></ul>We don’t just arrange mortgages – we solve problems, anticipate challenges, and give you peace of mind throughout your move.<h3>Thinking of Selling and Buying? Let’s Talk. </h3>Whether you’re upsizing, downsizing, or simply relocating, Mortgage321 can help you structure your sale and purchase in the smartest way possible.📞 Call us on 0800 612 8292 ✉ Email&nbsp;info@mortgage321.co.uk 🌐 Visit <a href="http://www.mortgage321.co.uk">www.mortgage321.co.uk</a>&nbsp;Mortgage321 – your trusted partner for moving home with clarity and confidence.<figure id="figure-sfyo9mg6x4bmg57l377"><img id="sfyo9mg6x4bmg57l377" src="https://media.gettyimages.com/id/1834676974/photo/holding-heavy-sofa-two-moving-service-employees-in-a-room.jpg?b=1&s=2048x2048&w=0&k=20&c=uypxuLA8vbTlGYnp8JcPTMbYU0mq3hHX0BmE2XwAufc=" alt="Holding heavy sofa. Two moving service employees in a room" title="Holding heavy sofa. Two moving service employees in a room" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionX="undefined" data-positionY="undefined" data-fullWidth="false"/></figure>

Selling and Buying at the Same Time: A Clear Guide for Home Movers

Mortgage affordability is one of the biggest concerns facing UK homeowners and buyers in 2025. With many households rolling off low fixed-rate deals into higher repayments — and lenders applying stricter affordability checks — borrowers are under pressure.At Mortgage321, we specialise in finding solutions for complex cases, helping clients who may otherwise be told “no.” Here’s what’s happening in the market, and how we can help you navigate it.<h3>What’s Driving Affordability Challenges? </h3><ul><li>Higher repayments: Borrowers leaving fixed deals could see payments rise by over £100 a month. </li><li>Living costs: Inflation continues to squeeze household budgets. </li><li>Lender stress tests: Mainstream lenders often apply rigid affordability criteria, limiting borrowing power. </li><li>Easing house prices: Affordability is improving slightly as prices stabilise and wage growth edges up.</li><li>Regulatory changes: The FCA is reviewing mortgage rules to encourage more flexibility, especially for first-time buyers and self-employed applicants.</li></ul><h3>Smart Strategies for Borrowers </h3><ul><li>Plan early: Review options 6–12 months before your deal ends. </li><li>Adjust terms: Longer terms can reduce monthly costs (though more interest is paid overall). </li><li>Overpay strategically: Even small overpayments build resilience. </li><li>Use the right lender: Specialist lenders may assess income more flexibly, especially for self-employed or landlords. </li><li>Stay informed: Lender criteria are shifting — a good broker will help you benefit from changes. &nbsp; </li></ul><h3>Why Borrowers Slip Through the Net </h3>Many people struggle to secure a mortgage despite being able to afford one. Common issues include:<ul><li>Non-standard income (self-employed, dividends, irregular bonuses) </li><li>Credit history concerns </li><li>High financial commitments </li><li>Specialist property needs (HMOs, multi-unit, bridging finance) </li></ul><h3>How Mortgage321 Helps</h3><ul><li>Access to specialist lenders beyond the high street </li><li>Bespoke case packaging to highlight your strengths </li><li>Negotiation with underwriters on your behalf </li><li>Guidance on affordability rules and upcoming changes </li><li>Expertise in bridging, HMO, buy-to-let, remortgage, and capital raising </li></ul><h3>Case Example</h3>A self-employed consultant with variable income was declined by high street lenders. By preparing detailed income projections and structuring the application through a specialist lender, Mortgage321 secured the right mortgage — proving that “complex” doesn’t mean impossible.<h3>Why Act Now? </h3><ul><li>Affordability is improving, but lenders may tighten again. </li><li>Rolling onto a Standard Variable Rate (SVR) could add hundreds to monthly payments. </li><li>Acting early gives you certainty and more options. </li></ul><h3>Call to Action</h3>✅ Ready to check your affordability? ✅ Facing a complex case that others can’t solve? ✅ Want proactive advice before your deal ends?📞 Contact Mortgage321 today on 0800 612 8292 for a free affordability review. Let us show you the solutions others miss.&nbsp; ⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage. The above content is for guidance only and subject to change.<figure id="figure-szhgjnoec6mg2auvfu"><img id="szhgjnoec6mg2auvfu" src="https://cdn.durable.co/blocks/29TtmSe9oHKZFCdPtQI9uK8zvvGKkCDFzjk6nJVzeFeO8HiaWOwRikyoheNmwuA2.png" alt="" title="" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionX="undefined" data-positionY="undefined" data-fullWidth="false"/></figure>

Mortgage Affordability in 2025 | How Mortgage321 Can Help

Long exposure view of the City of London with street traffic

The Bank of England has held the base rate at 4%, keeping it at its lowest level since February 2023. This follows August’s reduction from 4.25%, a move that brought some relief to homeowners, landlords, and businesses alike.With inflation now running at 3.8% (figures from the Office for National Statistics), almost double the Bank’s 2% target, many economists predicted that rates would remain unchanged this month.<h3>Why Interest Rates Matter </h3>Interest rates influence almost every aspect of our financial lives:<ul><li>Mortgages – A lower base rate often filters through into cheaper borrowing costs, particularly for those coming to the end of a fixed rate or considering a tracker or variable product. </li><li>Savings – While lower rates can reduce returns on savings, they may also encourage more investment into property or business ventures. </li><li>Property Investors – For landlords and developers, a stable rate environment offers more confidence when structuring deals, especially for bridging finance, refurbishments, and buy-to-let portfolios.</li></ul><h3>What This Means for Mortgage Borrowers </h3><ul><li>First-Time Buyers: The hold at 4% may help stabilise mortgage affordability calculations, giving a clearer path forward when considering monthly repayments. </li><li>Remortgage Clients: Those with deals expiring soon should take advice early. There are opportunities to secure competitive products, but timing is crucial as lenders continue to adjust pricing in line with market expectations. </li><li>Specialist Borrowers: For clients with complex income structures, adverse credit, or capital-raising needs, a steady base rate can provide more certainty when negotiating with specialist lenders.</li></ul><h3>Looking Ahead </h3>While inflation remains above target, the recent downward trend suggests that we may be moving towards a more settled period for interest rates. This could mean further opportunities for homeowners and investors to secure favourable terms before the next market shift.At Mortgage321, we keep a close eye on these changes to ensure our clients are always well-positioned—whether that means remortgaging, raising capital for investment, or structuring specialist buy-to-let solutions.<h3>✅ Need advice on your next move?</h3>With over 30 years’ experience in specialist mortgage lending, Mortgage321 can help you navigate today’s market with clarity and confidence. Whether you’re buying your first home, refinancing, or investing in property, we’ll tailor a solution to your unique circumstances.📞 Get in touch today to discuss your options. Call 0800 612 8292. <figure id="figure-4i5au1fp19mfpcflhl"><img id="4i5au1fp19mfpcflhl" src="https://cdn.durable.co/blocks/29TtmSe9oHKZFCdPtQI9uK8zvvGKkCDFzjk6nJVzeFeO8HiaWOwRikyoheNmwuA2.png" alt="" title="" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: undefined undefined;" data-corners="default" data-aspect="16:9" data-caption="" data-positionX="undefined" data-positionY="undefined" data-fullWidth="false"/></figure>

Bank of England Holds Interest Rates at 4% – What It Means for Borrowers and Investors

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Getting a Mortgage with Only One Year’s Accounts: What Yo...

How Mortgage321 Helped a Client Secure a Complex Semi-Com...

Selling Your Home to a Limited Company – Will You Still P...

Selling and Buying at the Same Time: A Clear Guide for Ho...

Mortgage Affordability in 2025 | How Mortgage321 Can Help

Bank of England Holds Interest Rates at 4% – What It Mean...