News & Insights

Tracker mortgages have gained significant traction in the UK housing market throughout 2025, with recent data showing a 67% surge in uptake compared to 2021.The appeal of these products stems from their flexible nature, offering interest rates that follow the Bank of England’s base rate, which has become especially attractive amidst ongoing economic uncertainty and fluctuating interest rates.

A £5K deposit mortgage allows first-time buyers to get on the property ladder with just a £5,000 deposit. While it reduces upfront costs, it may come with higher monthly payments and interest rates. Buyers need to meet eligibility criteria, including income and credit score checks.

Buying a property together is one of the biggest financial decisions a couple can make. When relationships break down, the question of who owns what can quickly become complex, especially if one person put down a larger deposit than the other. Learn your rights in this blog.

Separation or divorce can complicate mortgage arrangements, especially if one partner stops paying. This guide explains what happens to your mortgage, how to protect your credit score, manage missed payments, and handle situations like negative equity in a shared property.

Here our adviser Rachel talks about the need for Life Insurance for some but how the commom myth of it being a necessary insurance in order to get a mortgage is not actually the case.

Private medical insurance in the UK is an investment that provides quicker access to medical care and tailored coverage. Here we talk about the benefits and how it is costed.

Self-employed individuals can secure a mortgage without formal accounts by providing tax returns, bank statements, or contracts. Larger deposits and guarantor or specialist lenders can also help. Working with a mortgage broker, like Bell Financial Solutions, can improve your chances and help find the best options.

Buy-to-let mortgages help investors purchase rental properties. They require higher deposits and interest rates, and lenders assess affordability based on rental income. Key factors include stamp duty, rental yield, and tax obligations.

From trendy Ancoats to family-friendly Didsbury, Manchester offers a neighborhood for everyone. Whether you seek vibrant city life or a peaceful retreat, our guide highlights top areas to call home.

RPI ground rents, linked to inflation, can lead to unpredictable and rising costs for homeowners. Common in long-term leases, these rents affect affordability, property values, and mortgage options. Despite recent reforms, existing leaseholders still face financial strain, and further policy changes are being discussed to offer more security.

Doubling ground rent clauses are leaving many leaseholders facing soaring costs and unsellable properties. While new leases are now protected by law, older agreements remain a problem. This post explains the risks, your options, and how Bell Financial Solutions can help.

Thinking of buying a leasehold property? Don’t overlook ground rent and service charges, they can seriously affect your long-term costs, mortgage eligibility, and resale value. In this blog, we explain what ground rent is, why it matters, how it’s changing under new laws, and what to look out for in your lease. Whether you're buying, remortgaging, or extending your lease, understanding these charges is key to protecting your investment.

Having two separate mortgages on one property, also known as a second charge mortgage, is common in the UK. However, the process isn’t always so simple, and there are eligibility criteria that must be met. To learn more about having two separate mortgages on one property and the reasons behind it, continue reading.

If you’re going through a divorce and want to take over the mortgage from your ex-spouse, known as assuming a mortgage, there are several key steps to follow. We understand the difficulties of divorce, especially regarding your marital home. To learn more about assuming a mortgage in a divorce in the UK, continue reading. 

Removing your name from a joint mortgage after divorce is common, allowing you to cut all financial ties to your ex-spouse. This means you can protect your credit and finances while stepping back from joint financial responsibility with someone you're no longer married to. Read on to learn how to remove your name from a mortgage after divorce. 

Managing separation and home ownership is no doubt stressful, but we’re here to guide you. Read on for a better understanding of the legal process behind having a joint mortgage and separating. 

If you're buying, selling, or remortgaging a flat in a building with cladding, understanding the EWS1 form is important. A B2 rating means combustible materials are present and remedial work is required, which can seriously impact your mortgage options. This guide breaks down EWS1 ratings, how they affect property transactions, and what support is available under the Building Safety Act 2022. If your property has a B2 rating, speak to experts like Bell Financial to explore your options.

A common question is, can you keep a joint mortgage after divorce? Well, we’re here to tell you. To learn more about whether or not you can keep a joint mortgage after divorce in the UK, continue reading.