Our Mortgage Blog: A collection of our very useful ramblings...

Helping you craft your next chapter with confidence and clarity.

Can a mortgage offer be withdrawn?

Getting a mortgage offer is a big step on your property journey, but it’s important to know that it isn’t a guarantee. There are still things that could go wrong before you get the keys, and understan... ...more

First-time buyer

August 14, 2026

Do First-Time Buyers Pay Stamp Duty?

UK First-time buyers don’t pay stamp duty on properties costing up to £300,000, you’ll only pay stamp duty on the portion above £300,000. If the property costs more than £500,000, you’ll pay the stand... ...more

First-time buyer ,Home Finance Blog

September 30, 2025•1 min read

Stamp Duty on Second Homes (UK, 2025)

Understand the new stamp duty rules for second home purchases (including buy-to-lets, holiday homes and property abroad). ...more

Homeowner ,Home Finance Blog

September 24, 2025•2 min read

Remortgage to Release Equity

Remortgage to release equity in 2025: how it works, how much you could borrow, and what to consider before unlocking cash from your home. ...more

Homeowner

September 17, 2025•3 min read

The Ultimate Mortgage Application Checklist (UK)

Improve your chances of mortgage success and get yourself mortgage-ready with our ultimate application checklist. ...more

First-time buyer

August 11, 2025•3 min read

How Long Does a Mortgage in Principle Last?

A mortgage agreement in principle usually lasts between 60 and 90 days, depending on the lender. Here's how it works and what to watch out for... ...more

First-time buyer

August 08, 2025•5 min read

A collection of our very useful ramblings...

Helping you craft your next chapter with confidence and clarity.

Can a mortgage offer be withdrawn?

First-time buyer

August 14, 2026

Do First-Time Buyers Pay Stamp Duty?

First-time buyer ,Home Finance Blog

September 30, 2025•1 min read

Stamp Duty on Second Homes (UK, 2025)

Understand the new stamp duty rules for second home purchases (including buy-to-lets, holiday homes and property abroad). ...more

Homeowner ,Home Finance Blog

September 24, 2025•2 min read

Remortgage to Release Equity

Remortgage to release equity in 2025: how it works, how much you could borrow, and what to consider before unlocking cash from your home. ...more

Homeowner

September 17, 2025•3 min read

The Ultimate Mortgage Application Checklist (UK)

Improve your chances of mortgage success and get yourself mortgage-ready with our ultimate application checklist. ...more

First-time buyer

August 11, 2025•3 min read

How Long Does a Mortgage in Principle Last?

A mortgage agreement in principle usually lasts between 60 and 90 days, depending on the lender. Here's how it works and what to watch out for... ...more

First-time buyer

August 08, 2025•5 min read

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IMPORTANT: With investments, your capital is at risk. Pensions and investments can go down in value as well as up, so you could get back less than you invest.

Need Financial Planning Ltd is registered in England and Wales no. 10901658. Registered office, 123 High Street, Broadstairs, Kent, CT10 1NQ. Authorised and regulated by the Financial Conduct Authority. Need Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 977136. If you wish to register a complaint, please write to [email protected] or telephone 01843 228800. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.