UK Mortgage Advice 2026 | First-Time Buyers, Remortgages & Self-Employed Explained

In this episode, Ifthi sits down with David Clift from Greenstone Mortgages, who brings over 25 years of experience in the mortgage industry. They discuss what’s really happening in the UK mortgage market right now, from rapidly changing interest rates to practical advice for first-time buyers, self-employed applicants, and those looking to remortgage. This is not theory. It is real, experience-based advice from someone who has handled thousands of mortgage cases. What You’ll Learn: • What’s happening in the UK mortgage market right now • When to remortgage and why acting early matters • What to do if mortgage rates change after you secure a deal • Should first-time buyers wait or buy now? • Can self-employed applicants get a mortgage with one year of accounts? • How lenders assess income for limited companies and contractors • Can retained profits be used to increase borrowing? • How much you can really borrow (beyond the 4.5x myth) • Fixed vs variable rates in the current market • Choosing between a 2-year and 5-year fixed mortgage Key Insight The market is moving fast, but the decision to buy or remortgage should be based on your personal situation, not just trying to time interest rates. 📞 Need Mortgage Advice? WIS Mortgages 🌐 www.wismortgages.co.uk Greenstone Mortgages 🌐 www.greenstonemortgages.co.uk 📞 07887 747278 / 07771 516240 Whether you are a first-time buyer, self-employed, contractor, or looking to remortgage, getting the right advice early can make a significant difference. ⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.