Everything you need to know about mortgages

Questions? Unsure what you need? Our experts have got the knowledge

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Buy to let
Getting Mortgage Ready & Your Credit Score

Your credit score is very important for your mortgage application. There are a number of factors that affect your credit score and therefore your ability to get a mortgage.

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Mortgages
What is the Mortgage Charter?

The Mortgage Charter in the UK is a set of standards agreed upon by mortgage lenders, the Financial Conduct Authority (FCA), and the government to help borrowers who are concerned about increasing mortgage repayment costs due to the rising interest rate environment. It was announced in June 2023 and is supported by lenders representing over 85% of the UK mortgage market. The charter aims to ensure fair treatment of borrowers and provide them with the necessary support during this challenging period.

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Mortgages
Remortgage Tips

If you are looking to remortgage, don't assume you need to wait until the end of your current deal before you can start the process. If your mortgage is due in the next 6 months, or if you are concerned about rising interest rates, why not speak to one of our mortgage experts here? We can help determine if remortgaging is beneficial for you.

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First Time Buyer
New Build House Buying Process: What Are the Steps Involved?

A good understanding of the new build house buying process can help you manage your expectations and provide the insights needed to make the process as efficient as possible.

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Mortgages
Mortgage Application Documents

Applying for a mortgage in the UK can be a daunting task, but organising your documents well in advance can make the process much smoother. Here's a brief overview of what you need to know...

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Insurance
What is protection?

When we talk about “Protection”, we mean the different types of life and protection insurance that you can choose to put in place to guard against unforeseen events. That might be a sudden and serious illness, redundancy and subsequent unemployment, or even death. A protection policy will ensure you and your family have financial support should you lose your job or become no longer able to work.

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In the press
Lucra Mortgages: A Year in Review Through Expert Articles

As we reflect on the past year, we are proud to present a specially curated collection of articles that highlight Lucra Mortgages' significant role in the evolving landscape of the financial industry.

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Insurance
Do I need critical illness cover?

According to recent research, more than half of homeowners under 40 do not currently have critical illness cover (CIC). Which is fine, until it’s not fine…

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Insurance
Do I need a protection policy for my mortgage?

According to statistics published by the Association of British Insurers, every year over one million people become unable to work due to a serious illness or injury. When you’re fit and healthy it’s natural to think it’ll never happen to you. But what if it does?

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Insurance
Why do I need life insurance?

The offer has been accepted, your mortgage is in the pipelines and you can almost feel the cool steel of the key in your hand. Stop! One last thing to think about, what insurances do you need in place before you move in? Which types of insurance policy and protection are legally required by your mortgage provider? Will you need to take out life insurance?