Trying to decide whether to fix your mortgage for 2 or 5 years in 2026? Compare the pros and cons, fees and flexibility, and key questions to ask—plus how GMS Ltd can help you find the right deal.

Overpaying a mortgage essentially means that you pay more than what is borrowed for your monthly repayments. 

Provided you meet all of the affordability requirements, and your lender allows you to do so, you can borrow a bit extra on your mortgage to cover stamp duty costs.

Buy-to-let mortgages are mortgages that are taken out for properties that you’re planning to buy and then rent out to tenants rather than living in them yourself. 

If you’re buying your first home, you will most likely hear the term ‘mortgage deed’ pop up a few times. It’s normal for you not to understand what this means off the bat; after all, there’s only so much you can take in at once.  However, if there’s anything you need to understand, it’s what a mortgage deed is. When you go through the mortgage application process, you will need to sign a legally binding contract to secure a mortgage against your assets.  Today, GMS Ltd will w

At GMS Ltd, we’ve gone through the whole mortgage process more times than we can count. Today, we’ll walk through it with you, so you feel confident going into your first consultation with a mortgage broker.

If you receive benefits from the government, such as PIP, universal credit, or maintenance income, you may be wondering whether you’ll be...

Learn about different UK mortgage types—from fixed-rate to guarantor—and how to choose the right one for your budget, plans, and financial goals.

Considering hiring a mortgage broker? Here we explain the benefits

Buying a home is a big deal, but before you get the keys, you need to secure a mortgage, and the help of a mortgage broker can be...

With so much to think about when buying a home, it’s easy to feel overwhelmed. Endless decisions, complex processes, and unexpected...

Your credit score is a big part of your application for a mortgage, and if you’re worried that your credit score is too low, then it...

The journey to owning your own home can sometimes be a long and drawn-out process, but there are simple things you can do to make it a...

Buying your first home in Liverpool is both exciting and challenging. With so many things to consider, a lot of money to save and legal...

Liverpool, a friendly city that’s rich with history, culture and distinct character, it’s no wonder it has become such a desirable place...