Browse our home mover mortgage guides: porting your mortgage, the moving home process, applying for a new deal when you move, and moving with self-employed income, credit issues or an IVA.
Home Mover Mortgage Guides
A practical guide for City professionals planning a move out of London, covering how affordability can change, how lenders view bonus and variable income, and what to consider when buying in commuter locations.
Explore the main ways to move home when you already have a mortgage, including porting, remortgaging, consent to let/let-to-buy, and keeping your existing mortgage for a second home or holiday let.
A practical guide for home movers with an IVA, covering how an Individual Voluntary Arrangement can affect mortgage options, what lenders typically look for, and how porting vs applying may work when you move.
A practical guide for self-employed home movers: porting vs new mortgage, how lenders assess income, typical evidence required, and what to consider if you’re in a chain.
A practical guide for home movers on why mortgage application timing matters, how lender turnaround and processing can affect your outcome, and how to plan to secure the best deal within your completion schedule.
Homeowner Mortgage Guides
Leasehold is the most common way to buy a flat in the UK; however, the important context to understand with Leasehold is that you are not buying a property; you are buying a tenancy. This exposes leaseholders to many ownership risks that are not present for property owners.
Bad credit doesn’t automatically rule you out of a mortgage. Understand why specialist lending may be available sooner than you think, what lenders look at, and how to strengthen your application.
A practical guide to how maternity leave can affect mortgage affordability, what lenders may consider, and how to strengthen your application when income is temporarily lower.
A clear guide to the main mortgage types in the UK, including repayment methods, fixed and variable rates, specialist options and government-backed schemes—helping home buyers understand what to look for.
Learn how repayment mortgages work, the main types of repayment structure and interest rates, and how they compare with interest-only mortgages.
A practical guide to getting a residential mortgage when you’re self-employed and only have one year’s accounts, including what lenders look for and how to strengthen your application.
Learn how late payments and missed payments can affect mortgage applications, what lenders typically look for, and practical steps to improve your chances of approval.
A clear guide for home buyers on how an Individual Voluntary Arrangement (IVA) can affect mortgage applications, typical waiting times, and what lenders look for once an IVA is satisfied.
A practical guide to buying a home with a sole mortgage applicant in the UK, covering affordability, deposits, self-employment, credit history, and common mortgage options.
Get in touch
We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.
- Phone number
- 01133 205 902
- hello@cyborg.finance
- Postal address
-
31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX
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We are authorised and regulated by the Financial Conduct Authority (No. 919921). The Financial Conduct Authority does not regulate most Buy to Let mortgages.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Our initial consultation is free. If you choose to proceed, we’ll explain any broker fees upfront before you commit.
Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX.