When navigating complex divorce proceedings, separation, or certain court processes, borrowing capacity often becomes a central issue. One document that is frequently required in these situations, to give an indication of borrowing capacity, is a Mortgage Capacity Report. 

Later life lending offers more than equity release. Learn about lifetime mortgages, RIO mortgages and flexible borrowing solutions for homeowners aged 50+.

In a recent blog, we discussed the uncertainty facing borrowers whose fixed-rate mortgages are approaching their end date. At the time, much of the conversation in the market suggested that mortgage rates could gradually ease during 2026 as inflation cooled and interest rate expectations softened.  

Over the past few days, we have seen a sharp shift in financial markets, and it is likely to impact mortgage pricing. If you are due to remortgage in the next 3–6 months, this matters more than you might think. 

With research showing 61% of UK homeowners are interested in releasing equity from their property, clear and transparent advice has never been more important.

Is now a good time to remortgage?

Explore flexible mortgage options for First-Time Buyers in 2025. Discover how Penn Financial can help First-Time Buyers get on the property ladder.

If you are a first-time buyer and want to explore whether a delayed start mortgage could help you get on the property ladder with more confidence, reach out to Penn Financial. Our advisers can help you understand your options in plain English and, more importantly, whether this type of mortgage fits your unique situation. 

Chancellor Rachel Reeves is due to deliver her Spending Review, setting out the budgets for all government departments over the next few years. Chancellor has confirmed the Government’s commitment to inject £39 billion into social and affordable housing over the next decade. This is one of the most substantial investments of its kind in recent history and is positioned as a central pillar of the Government’s plan to "renew Britain."

Join our Professional Referral network at Penn Financial. Connect with like-minded mortgage experts and enhance your service delivery today!

Could borrowing seven times your income for a mortgage be right for you? Learn the risks and benefits of high-income multiple loans.

Life events like illness, separation, new relationships, or changing goals can all impact your mortgage needs, your family and potential beneficiaries. 

Typically, with a Home Reversion Plan, the homeowner is selling their interest in the property, and so the loan-to-value can be 75% or even more. However, with a Lifetime Mortgage, given that the borrower is rolling up the interest, the amount of cash available at outset is limited, with a typical maximum often being just over 50%. 

The number of homeowners paying their mortgages into their 70s has surged by 156% in recent years, highlighting the increasing financial pressures reshaping homeownership. According to recent data from the Financial Conduct Authority (FCA), over 22,000 mortgages with 35-year terms were sold to buyers over 36 years old in the first nine months of 2024 alone, up from just over 15,000 in 2018.

If your mortgage rate is due to expire, this is for you.  

Equity Release and Lifetime Mortgages are often used interchangeably in everyday language and the media. However, it’s important to...

At Penn Financial, we are always striving to better serve our clients. That is why we are thrilled to announce that we now hold full...

For many approaching retirement, the choice between downsizing or obtaining a Lifetime Mortgage is not just financial.

As clients start making retirement choices, deciding between downsizing or opting for a Lifetime Mortgage is a major consideration with...

The "Penn Approach" is to solve life and business challenges through integrated professional services, balancing modern pressures with...