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
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
Summer is a season full of sun, socialising, and spontaneous spending. But if you’re a first-time buyer in the UK, staying on track with your house deposit savings doesn’t mean you have to sacrifice all the fun. At LTC Mortgages, we understand how important it is to find a balance
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
Buying a property at auction is one of the quickest ways to secure a home or investment property—but it also comes with strict deadlines. Most auction houses require completion within 28 days, leaving little time for traditional mortgage processes. If you’re planning to bid at auction, speed is critical—and that’s
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
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
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
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
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
LTC Mortgages is a trading name of LTC Mortgages (NW) Limited company number 12564758 is authorised and regulated by the Financial Conduct Authority (FCA). The FCA regulates financial services in the UK and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register. Our Financial Services Register number is 929476.
We are a credit broker, not a lender. We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow and rate for risk (this is based on the risk profile of the business). amend with the applicable/appropriate commission models. Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.
