Latest Posts

First-time buyer checking their credit score

Check & Improve Your Credit Score

Check & Improve Your Credit Score Before Applying for a Mortgage If you’re thinking about buying your first home, one of the most important steps you can take early on is to check and improve your credit score. It might not sound exciting — but it could be the difference

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Happy first-time buyers moving in to their first home holding boxes

First-Time Buyer FAQs: Everything You Need to Know

Wondering where to start as a first-time buyer? Buying your first home is an exciting milestone — but it can also feel overwhelming. From deposits and credit scores to legal fees and mortgage types, there’s a lot to take in. That’s why the team at LTC Mortgages has put together

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Bridge spanning across a river, symbolising how bridging loans help connect financial gaps in property transactions.

Bridging Loan Myths Busted: What You Really Need to Know

When it comes to property finance, bridging loans are often misunderstood. From being seen as too expensive to being labelled as risky or only for developers, there are plenty of misconceptions that can stop people from exploring a genuinely useful financial tool. At LTC Mortgages, we’re here to set the

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Man renovating a bathroom with tools and materials, mid-refurbishment

How a Bridging Loan Could Help Fund Your Renovation Project

If you’ve found a property brimming with potential but in need of serious work, you might be facing a common hurdle — traditional lenders often say no to properties that are uninhabitable or require major renovation. This includes properties without working kitchens, bathrooms, or with structural issues. But a bridging

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A structural bridge spanning across a river, symbolising bridging finance that helps connect short-term funding gaps in property transactions.

What Is a Bridging Loan?

In fast-moving property transactions, timing is everything. Whether you’re buying at auction, funding a renovation, or facing a broken property chain, a bridging loan can offer the short-term solution you need. At LTC Mortgages, we help clients across the UK understand and access bridging finance quickly and with confidence. Here’s

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Young couple comparing life insurance options at a table, illustrating the difference between level term and decreasing term cover.

Level Term vs Decreasing Term Life Insurance

When it comes to protecting your family and financial future, choosing the right type of life insurance is essential. Two of the most common policy types in the UK are level term life insurance and decreasing term life insurance. While both offer valuable protection, they serve different purposes depending on

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The importance of avoiding common life cover mistakes.

5 Common Mistakes People Make When Buying Life Insurance

Buying life insurance is one of the most important financial decisions you’ll make—but it’s also one of the most misunderstood. Whether you’re protecting your family, securing your mortgage, or planning your legacy, avoiding common pitfalls can make all the difference. At LTC Mortgages, we’ve outlined five of the most common

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Family life stages illustration showing young adults, parents with children, and older couple – representing different life stages for life insurance coverage

Why Life Insurance Matters at Every Stage of Life

Life insurance isn’t just for one type of person or life stage—it’s for everyone. Whether you’re just starting out in your career or preparing for retirement, having the right protection in place can offer peace of mind and financial security for your loved ones. At LTC Mortgages, we help individuals

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