# IMC Mortgage Brokers


## Pages

- [How Much Is My Council House Worth?](https://www.imcmortgagebrokers.co.uk/mortgages/right-to-buy-mortgages/council-house-valuation/): How your landlord values your council home for Right to Buy, what the figure is based on, and how to challenge it if you think it is too high.
- [Right to Buy Mortgages with Bad Credit](https://www.imcmortgagebrokers.co.uk/mortgages/right-to-buy-mortgages/bad-credit/): Defaults, CCJs or missed payments? A Right to Buy mortgage is often still possible. What lenders accept, and why your discount works in your favour.
- [Right to Buy Mortgage Lenders](https://www.imcmortgagebrokers.co.uk/mortgages/right-to-buy-mortgages/lenders/): Which lenders accept a Right to Buy discount as your deposit, what they look for, and how a 100% Right to Buy mortgage works. Free advice from IMC.
- [The first-time buyer’s guide to your very first remortgage](https://www.imcmortgagebrokers.co.uk/mortgages/remortgage/first-time-buyer-first-remortgage/): Approaching your first remortgage? Learn when to start, how to avoid expensive exit fees, and the step-by-step process of switching lenders or staying put.
- [Stamp Duty Calculator](https://www.imcmortgagebrokers.co.uk/mortgage-calculators/stamp-duty/): Use our stamp duty calculator to easily calculate the stamp duty on your property purchase and plan your costs with confidence.
- [Haverhill](https://www.imcmortgagebrokers.co.uk/haverhill/): Independent mortgage broker Haverhill at IMC Mortgage Brokers (formerly Haverhill Mortgage Centre). The same 5* service with a fresh new look!
- [Felixstowe](https://www.imcmortgagebrokers.co.uk/felixstowe/): Independent mortgage brokers in Felixstowe, formerly Felixstowe Mortgage Centre. Whole-of-market advice for buyers and movers. Free chat.
- [No Deposit 100% Mortgages](https://www.imcmortgagebrokers.co.uk/mortgages/no-deposit-mortgage/): No deposit mortgages are currently available in the UK. Speak to one of our experts today to see how we can help you with your application.
- [Mortgage Product Transfers vs. Remortgaging](https://www.imcmortgagebrokers.co.uk/mortgages/remortgage/product-transfers-vs-remortgaging/): If you're mortgage deal is coming to an end you typically have two options - a Product Transfer or Remortgage. Both each have their own benefits & drawbacks.
- [Remortgaging to buy another property](https://www.imcmortgagebrokers.co.uk/mortgages/remortgage/buy-another-property/): You may want to look at expanding your existing property portfolio or fund a holiday home, either way remortgaging can be a great way to raise the extra funds.
- [Remortgaging for home improvements](https://www.imcmortgagebrokers.co.uk/mortgages/remortgage/home-improvements/): Whether you're looking to add extra space or create your dream kitchen, remortgaging can be a great way to raise the funds in order to do so...
- [Remortgaging for debt consolidation](https://www.imcmortgagebrokers.co.uk/mortgages/remortgage/debt-consolidation/): Thinking about remortgaging to consolidate debt? Our step-by-step guide explains how it works, the pros and cons, and how IMC Mortgage Brokers can help.
- [Remortgaging to release equity](https://www.imcmortgagebrokers.co.uk/mortgages/remortgage/release-equity/): For many individuals, your home is likely your biggest asset, holding a high amount of equity. So, how do you release this equity?
- [The costs of remortgaging in %currentyear%](https://www.imcmortgagebrokers.co.uk/mortgages/remortgage/the-costs-of-remortgaging/): Although remortgaging is often a great way to cut costs, it is also important to be aware of the costs that are involved upfront.
- [When should you remortgage?](https://www.imcmortgagebrokers.co.uk/mortgages/remortgage/when-should-you-remortgage/): Are you thinking about remortgaging? If so knowing the potential benefits against the potential costs is key and can help you make the correct decision.
- [Why remortgaging could be a good idea for you](https://www.imcmortgagebrokers.co.uk/mortgages/remortgage/why-remortgaging-could-be-a-good-idea-for-you/): Remortgaging can have a range of benefits, allow you to switch to a new mortgage deal, save money, shorten your term, and even unlock equity.
- [How to get the best remortgage deal](https://www.imcmortgagebrokers.co.uk/mortgages/remortgage/how-to-get-the-best-deal/): Finding the right remortgage deal can end up saving you thousands, so we have highlighted how you can find the best product based on your circumstances.
- [How to remortgage](https://www.imcmortgagebrokers.co.uk/mortgages/remortgage/how-to-remortgage/): Ready to remortgage? Whether your deal is ending or you are looking for a better rate, we’ll guide you through every step with confidence.
- [Borrow more on your mortgage when you move](https://www.imcmortgagebrokers.co.uk/mortgages/moving-home/borrowing-more/): You might want to borrow more on your mortgage when you move to purchase a larger home or fund renovations, this guide explores your options!
- [New mortgages for home movers](https://www.imcmortgagebrokers.co.uk/mortgages/moving-home/new-mortgage/): Getting a new mortgage for home movers might be an option for many reasons. This guide looks to help you understand all your options.
- [Home Mover Costs & Fees Explained](https://www.imcmortgagebrokers.co.uk/mortgages/moving-home/costs/): Our guide aims to help you understand the cost of moving house with a mortgage and covers mortgage fees, removals and more.
- [Moving House with a Mortgage: Your Essential Guide](https://www.imcmortgagebrokers.co.uk/mortgages/moving-home/guide/): This is your essential guide to moving house with a mortgage, we cover everything from understanding your options to your financial health!
- [The Home Moving Mortgage Process Explained](https://www.imcmortgagebrokers.co.uk/mortgages/moving-home/process/): Understanding the moving house mortgage process is key to helping you feel prepared for your upcoming move if you're a current homeowner.
- [Porting a mortgage](https://www.imcmortgagebrokers.co.uk/mortgages/moving-home/porting/): Porting a mortgage could allow you to transfer your existing mortgage and potentially the rate to your new property.
- [Downsizing your home](https://www.imcmortgagebrokers.co.uk/mortgages/moving-home/downsizing/): Downsizing your home when you move can be a great way to potentially go mortgage free, or reduce your mortgage overall.
- [Self-employed mortgages: A complete guide](https://www.imcmortgagebrokers.co.uk/mortgages/self-employed/guide/): Your guide to self-employed mortgages. Secure a home with 1+ year of accounts. Expert advice for freelancers, contractors & company directors.
- [Your guide to first-time buyer mortgage rates](https://www.imcmortgagebrokers.co.uk/mortgages/ftb-mortgage-advisors/ftb-mortgage-rates/): Compare today's best first-time buyer mortgage rates. Use our live rate table to find deals and learn how to secure the most competitive offer.
- [How much can first-time buyers borrow? Your affordability guide](https://www.imcmortgagebrokers.co.uk/mortgages/ftb-mortgage-advisors/ftb-borrowing-power/): How much can first-time buyers borrow? Our guide details how lenders assess your income, outgoings, and credit for mortgage affordability.
- [The ultimate first-time buyer guide](https://www.imcmortgagebrokers.co.uk/mortgages/ftb-mortgage-advisors/ftb-guide/): We know that getting your first mortgage is probably one of the biggest financial steps you'll encounter - read more in our first-time buyer guide
- [Mortgage Matters](https://www.imcmortgagebrokers.co.uk/mortgage-matters/): Discover expert mortgage guides, latest news, and local UK house price updates. Stay informed and make confident homebuying decisions today.
- [Joint Borrower Sole Proprietor Mortgages](https://www.imcmortgagebrokers.co.uk/mortgages/jbsp/): Joint Borrower Sole Proprietor mortgages offer affordability boosts for individuals who might not meet the criteria on their own. Find out if you qualify!
- [Ipswich](https://www.imcmortgagebrokers.co.uk/ipswich/): Local Ipswich mortgage broker, whole of market. First-time buyers, remortgages, self-employed and Right to Buy. Book a free review today.
- [Large Loans](https://www.imcmortgagebrokers.co.uk/mortgages/large-loans/): Large mortgage loans can be harder to get, although there are specialist lenders available in the market. Find out if you qualify!
- [Specialist Home Insurance Brokers UK](https://www.imcmortgagebrokers.co.uk/insurance/home-insurance/): Home insurance helps you to protect both your building and contents. Get expert advice and a quote from our specialist home insurance brokers!
- [Tier 2 Visa Mortgages](https://www.imcmortgagebrokers.co.uk/mortgages/foreign-national-mortgages/tier-2-visa-mortgages/): Getting a Tier 2 Visa mortgage is totally possible and the application process doesn't vary much from if you were a UK citizen.
- [Loans](https://www.imcmortgagebrokers.co.uk/loans/): We offer secured & bridging loans tailored to your individual needs. Whether it’s a special deal or a new incentive, get the right solution for you today
- [Mortgage Repayment Calculator](https://www.imcmortgagebrokers.co.uk/mortgage-calculators/mortgage-repayment/): Fill out our quick and easy mortgage repayment calculator to understand how much your monthly payments may be based on your interest rate.
- [Mortgage Affordability Calculator](https://www.imcmortgagebrokers.co.uk/mortgage-calculators/mortgage-affordability/): Complete your income details in our mortgage affordability calculator to give yourselves an idea how much you may be able to borrow.
- [Moving home mortgage advice](https://www.imcmortgagebrokers.co.uk/mortgages/moving-home/): We're on hand to offer you moving home mortgage advice. Determine your budget and how much you can afford for a moving home mortgage.
- [Commercial Mortgages](https://www.imcmortgagebrokers.co.uk/mortgages/commercial-mortgages/): - Commercial mortgages are essentially funds that you secure on a property that will not be your main residence, for example a rental property.
- [Life Insurance](https://www.imcmortgagebrokers.co.uk/insurance/life-insurance/): Life assurance, also known as whole life insurance, is a type of policy that is designed to financially support your beneficiaries after your death.
- [Income Protection](https://www.imcmortgagebrokers.co.uk/insurance/income-protection/): Income protection insurance is a long-term policy that would pay out a regular income if you are unable to work due to illness or injury.
- [Critical Illness Cover](https://www.imcmortgagebrokers.co.uk/insurance/critical-illness-cover/): Critical illness cover can provide you and your family with financial stability if you were to be diagnosed with an illness or suffer an injury.
- [Insurance](https://www.imcmortgagebrokers.co.uk/insurance/): You’re set up with a new home, but what happens if you are injured, or die? Our expert insurance brokers are here to help.
- [Branches](https://www.imcmortgagebrokers.co.uk/about/): At IMC mortgage brokers, we're CEMAP accredited mortgage experts . If you're in need of expert mortgage advice, why not get in touch for a free consultation!
- [Cookies Policy](https://www.imcmortgagebrokers.co.uk/cookies-statement/): Our cookie policy explains how we use cookies to enhance your experience while ensuring your personal information is handled appropriately and transparently.
- [Bad Credit Mortgages](https://www.imcmortgagebrokers.co.uk/mortgages/bad-credit-mortgages/): Bad Credit Mortgage Advisors. Get help finding a mortgage with defaults, CCJs, arrears or even bankruptcy. Free initial consultation available!
- [Expat Buy-to-Let Mortgages](https://www.imcmortgagebrokers.co.uk/mortgages/buy-to-let-mortgages/expats-mortgages/): Explore British Expat Mortgages for buying to rent in the UK. Get expert help securing a mortgage while living abroad.
- [Mortgages for Foster Carers](https://www.imcmortgagebrokers.co.uk/mortgages/self-employed/mortgages-for-foster-carers/): While finding mortgages for foster carers can be challenging, working with a mortgage broker can open up more lending options!
- [Mortgages for Airbnb Properties](https://www.imcmortgagebrokers.co.uk/mortgages/buy-to-let-mortgages/air-bnb-mortgages/): "Securing an Airbnb mortgage can be more challenging, as lenders view it as a different risk compared to traditional Buy-to-Lets, speak to us today!
- [Holiday Let Mortgages](https://www.imcmortgagebrokers.co.uk/mortgages/buy-to-let-mortgages/holiday-let-mortgages/): Looking to finance your holiday let property? Speak to our mortgage brokers today and discover the best holiday let mortgages for your needs!
- [Mortgage on a Zero Hour Contract](https://www.imcmortgagebrokers.co.uk/mortgages/self-employed/zero-hour-contract-mortgages/): A mortgage on a zero hour contract  can be challenging, but it’s still possible to secure one. Contact us today for expert advice on your options.
- [First-Time Buyer Mortgage Advisors](https://www.imcmortgagebrokers.co.uk/mortgages/ftb-mortgage-advisors/): Our expert first-time buyer mortgage advisors are here to help you start your homeownership journey. Unlock competitive rates and support!
- [Mortgages for freelancers in the UK](https://www.imcmortgagebrokers.co.uk/mortgages/self-employed/mortgages-for-freelancers/): Freelancer? High Street lenders may not be ideal, but our mortgage brokers can help you secure mortgages for freelancers.
- [Mortgages for Professionals in the UK](https://www.imcmortgagebrokers.co.uk/mortgages/self-employed/mortgages-for-professionals/): Self-employed or running your own business? We specialise in mortgages for professionals, helping you find the right mortgage for your needs.
- [Right to Buy Discount Calculator](https://www.imcmortgagebrokers.co.uk/mortgage-calculators/right-to-buy-discount/): Free Right to Buy calculator - see your council house discount and what you'd pay in seconds. Updated 2026 discount caps. No sign-up needed.
- [Interest Only Mortgage Calculator](https://www.imcmortgagebrokers.co.uk/mortgage-calculators/interest-only/): Try out our free interest only mortgage calculator, that requires no credit checks, to see how much you could be eligible to borrow!
- [Equity Release Calculator](https://www.imcmortgagebrokers.co.uk/mortgage-calculators/equity-release/): Use our free, no credit checks equity release calculator to find out how much you might be able to borrow against the equity in your home.
- [Buy-to-Let Mortgage Calculator](https://www.imcmortgagebrokers.co.uk/mortgage-calculators/buy-to-let/): Looking to build or expand your property portfolio? Use our free Buy-to-Let Mortgage Calculator to find out how much you could borrow!
- [Right to Buy Calculator](https://www.imcmortgagebrokers.co.uk/mortgage-calculators/right-to-buy/): Looking to buy your council property? Use our free Right to Buy mortgage calculator to estimate how much you could borrow with a RTB mortgage.
- [Self-Employed Mortgage Calculator](https://www.imcmortgagebrokers.co.uk/mortgage-calculators/self-employed/): Based on the nature of your employment, your income and other factors our self-employed mortgage calculator can give you an idea of how much you could borrow.
- [Shared Ownership](https://www.imcmortgagebrokers.co.uk/mortgages/shared-ownership-mortgages/): The shared ownership mortgage scheme is primarily focused on helping people get onto the property ladder who ordinarily may not be able to.
- [Remortgage](https://www.imcmortgagebrokers.co.uk/mortgages/remortgage/): A remortgage is a popular option among homeowners, giving them the opportunity to quickly raise capital or reduce costs on an existing mortgage.
- [Mortgages with Complex Incomes](https://www.imcmortgagebrokers.co.uk/mortgages/self-employed/mortgages-with-complex-incomes/): If your income is more complex than traditional payslips, securing mortgages with complex incomes  is still possible with the right guidance.
- [Mortgages for Taxi Drivers](https://www.imcmortgagebrokers.co.uk/mortgages/self-employed/mortgage-for-taxi-drivers/): Self-employed taxi drivers may find it harder to get a mortgage, but with expert mortgage advice for taxi drivers it's definitely achievable.
- [Staircasing Mortgages](https://www.imcmortgagebrokers.co.uk/mortgages/shared-ownership-mortgages/staircasing-mortgages/): A staircasing shared ownership mortgage is for those that want to purchase a bigger of their property! Speak to our experts.
- [Portfolio Landlord Mortgages](https://www.imcmortgagebrokers.co.uk/mortgages/buy-to-let-mortgages/portfolio-landlord-mortgages/): Buy-to-Let portfolio mortgages are intended for landlords who have, or plan to have, more than one property, also known as a Portfolio Landlord.
- [HMO Mortgages](https://www.imcmortgagebrokers.co.uk/mortgages/buy-to-let-mortgages/hmo-mortgages/): "Looking to let a property to multiple occupants, such as student accommodation? Explore HMO mortgages and reach out today!
- [Right to Acquire Mortgage](https://www.imcmortgagebrokers.co.uk/mortgages/right-to-buy-mortgages/right-to-acquire-mortgage/): Right to Acquire allows individuals who meet qualifying criteria to buy the house they currently rent at a discount.
- [Equity Release](https://www.imcmortgagebrokers.co.uk/mortgages/equity-release/): If you are between 55 and 95 years old, equity release allows you to release a tax-free lump sum of money from your home without having to sell it.
- [Secured Loans](https://www.imcmortgagebrokers.co.uk/loans/secured-loans/): Getting secured loans is similar to a standard mortgage, with the same risks. Contact our mortgage brokers for expert guidance.
- [Limited Company Buy-to-Let](https://www.imcmortgagebrokers.co.uk/mortgages/buy-to-let-mortgages/limited-company/): Looking for a Limited Company Buy-to-Let Mortgage? Maximise rental profits with expert advice on using a company for your property portfolio.
- [Interest-Only Mortgages](https://www.imcmortgagebrokers.co.uk/mortgages/interest-only/): Discover tailored interest-only mortgage options with IMC Mortgage Brokers, your trusted broker & intermediary for home loans.
- [Bridging Loans](https://www.imcmortgagebrokers.co.uk/loans/bridging-loans/): A bridging loan is a short-term funding option that is used to ‘bridge’ the gap between a payment going out and money coming in, to help someone buy a property.
- [Foreign National Mortgages](https://www.imcmortgagebrokers.co.uk/mortgages/foreign-national-mortgages/): Foreign nationals can get a foreign national mortgage in the UK. Our brokers can help simplify the process despite strict lending criteria.
- [Right to Buy Mortgages](https://www.imcmortgagebrokers.co.uk/mortgages/right-to-buy-mortgages/): Right to Buy mortgage advice for council and housing association tenants. Use your discount as the deposit, check eligibility and see what you could borrow.
- [Buy-to-Let Mortgages](https://www.imcmortgagebrokers.co.uk/mortgages/buy-to-let-mortgages/): BTL is now a standard offering from the majority of lenders, with the help of buy-to-let mortgage brokers it has never been easier to get one.
- [Self-employed mortgages](https://www.imcmortgagebrokers.co.uk/mortgages/self-employed/): At IMC Mortgage Brokers, our specialist self-employed mortgage brokers are here to guide you through the process from beginning to end!
- [Protection](https://www.imcmortgagebrokers.co.uk/protection/): Protect your mortgage with mortgage protection insurance to safeguard against uncertain financial situations and ensure peace of mind for the future.
- [Mortgages](https://www.imcmortgagebrokers.co.uk/mortgages/): In today’s market there are so many different types of mortgages around, so without the right support it can be hard knowing where you should start.
- [Calculators](https://www.imcmortgagebrokers.co.uk/mortgage-calculators/): Our free mortgage calculators are designed to help you find out how much stamp duty you will pay or to see if you can afford a mortgage.
- [Mortgages for Doctors & GPs](https://www.imcmortgagebrokers.co.uk/mortgages/self-employed/doctors-gp/): For mortgages for doctors, your borrowing amount is based on income from payslips, self-employed accounts, or HMRC documentation.
- [Contact Us](https://www.imcmortgagebrokers.co.uk/contact/): If you have any queries, leave us your details and a member of our team will be in contact. Alternatively, you can give us a call or send us an email.
- [Home](https://www.imcmortgagebrokers.co.uk/): Independent, whole-of-market mortgage advice across Ipswich and Suffolk. First-time buyers, remortgages, self-employed and more. Free, no-obligation chat with IMC.
- [Bad Credit Mortgage Calculator](https://www.imcmortgagebrokers.co.uk/mortgage-calculators/bad-credit/): Get an idea of how much you can borrow with bad credit. Our bad credit mortgage calculator requires no credit checks and is free to use!
- [Mortgages for the self-employed with 1 year's accounts](https://www.imcmortgagebrokers.co.uk/mortgages/self-employed/how-much-can-borrow-1-year-accounts/): Need a mortgage with 1 year's accounts? Some lenders accept self-employed applicants with just one year of trading history - find out how it works.
- [What are Part-and-Part Mortgages?](https://www.imcmortgagebrokers.co.uk/mortgages/interest-only/part-and-part-mortgages/): Part and part mortgages represent an attractive compromise between repayment and interest-only mortgages, offering a flexible payment option.
- [Contractor Mortgages](https://www.imcmortgagebrokers.co.uk/mortgages/self-employed/contractor-mortgage/): Contractor mortgages can be more complex, but they’re achievable. Get in touch with our specialist contractor mortgage brokers today!
- [Sitemap](https://www.imcmortgagebrokers.co.uk/sitemap/): A HTML sitemap to help our users access information in an accessible way.
- [Privacy Policy](https://www.imcmortgagebrokers.co.uk/privacy-policy/): We are committed to protecting your privacy and ensuring that your personal information is collected and used appropriately, lawfully and transparently.
- [Let to Buy Mortgages](https://www.imcmortgagebrokers.co.uk/mortgages/buy-to-let-mortgages/let-to-buy/): In recent years let to buy mortgages have become more popular, with this type of mortgage you retain ownership of your current property while letting it out.


## Posts

- [Meet Your Local Mortgage Brokers in Felixstowe | IMC](https://www.imcmortgagebrokers.co.uk/mortgage-matters/meet-your-local-mortgage-brokers-in-felixstowe-imc/): Felixstowe is a town that stands apart. From the terraces above Bent Hill and the seafront gardens to the leafy...
- [Securing a Home in Ipswich for a Self-Employed First-Time Buyer Duo](https://www.imcmortgagebrokers.co.uk/mortgage-matters/securing-a-home-in-ipswich-for-a-self-employed-first-time-buyer-duo/): James and Sarah had been renting near the Ipswich Waterfront for three years and were eager to step onto the...
- [IMC Mortgage Brokers Announcement: Local Branches Unite Under New Brand](https://www.imcmortgagebrokers.co.uk/mortgage-matters/imc-mortgage-brokers-announcement-local-centres-unite-under-new-brand/): Ipswich, Felixstowe and Haverhill Mortgage Centres have united as IMC Mortgage Brokers. Here's what the rebrand means for our Suffolk clients.
- [Hassle-Free Remortgage for Debt Consolidation & Home Improvements](https://www.imcmortgagebrokers.co.uk/mortgage-matters/hassle-free-remortgage-for-debt-consolidation-home-improvements/): Rob and his wife, living in a semi-detached house in Ipswich, were fast approaching the end of their existing 2-year...
- [First-Time Buyers Navigating a Complex Market](https://www.imcmortgagebrokers.co.uk/mortgage-matters/first-time-buyers-navigating-a-complex-market/): Nathan and Sarah, young first-time mortgage buyers from Ipswich, had spent nearly four years renting a small two-bedroom flat in...
- [Maximising a Buy-to-Let Portfolio](https://www.imcmortgagebrokers.co.uk/mortgage-matters/maximising-a-buy-to-let-portfolio/): James, a seasoned property investor from Haverhill, was looking to purchase a substantial semi-detached property on the market for £320,000....
- [Self-Employed Applicant with Fluctuation in Income](https://www.imcmortgagebrokers.co.uk/mortgage-matters/self-employed-applicant-with-fluctuation-in-income/): David, an experienced self-employed graphic designer and brand agency owner based in Felixstowe, wanted to relocate closer to the coast...
- [Remortgaging a Contiguous Property with Access Issues: A Case Study](https://www.imcmortgagebrokers.co.uk/mortgage-matters/remortgage-contiguous-property-access-issues/): Discover how IMC Mortgage Brokers overcame contiguous land access issues and under 2 years of self-employment to secure a high-street UK remortgage.
- [Securing a Mortgage for a Complex Grade II Listed Property](https://www.imcmortgagebrokers.co.uk/mortgage-matters/case-study-grade-ii-listed-commercial-property-mortgage/): Discover how mortgage adviser Calvin Liles secured a specialist mortgage for a complex Grade II listed property with a commercial element and tight self-employed affordability.
- [Interest-Only Remortgage Past Retirement Age Secured for a Fixed-Term Contractor](https://www.imcmortgagebrokers.co.uk/mortgage-matters/interest-only-mortgage-past-retirement/): Interest-only mortgage past age 70 for a 68-year-old fixed-term contractor secured by IMC, avoiding a costly SVR and a forced property sale.
- [House Prices in Ipswich: Latest Data](https://www.imcmortgagebrokers.co.uk/mortgage-matters/house-prices-in-ipswich-latest-data/): Stay informed with the latest Ipswich housing market updates. Get insights on property prices, buyer activity, and market trends!
- [Affordability Myth #9: “Brokers recommend the product where they'd get most commission”](https://www.imcmortgagebrokers.co.uk/mortgage-matters/affordability-myth-9-brokers-recommend-the-product-where-theyd-get-most-commission/): Learn why brokers recommend the right mortgage for you, not just the highest commission, and what to ask before you decide.
- [Affordability Myth #8: “If my family can be guarantors, I don’t need a job to get a mortgage”](https://www.imcmortgagebrokers.co.uk/mortgage-matters/affordability-myth-8-if-my-family-can-be-guarantors-i-dont-need-a-job-to-get-a-mortgage/): Do you think a guarantor can replace your income? Discover why lenders still need proof you can afford repayments – even with family support!
- [Affordability Myth #7: “If your credit score isn’t perfect, you won’t get a mortgage”](https://www.imcmortgagebrokers.co.uk/mortgage-matters/affordability-myth-7-if-your-credit-score-isnt-perfect-you-wont-get-a-mortgage/): Think a perfect credit score is a must for a mortgage? Learn why lenders consider more than just credit scores – and how you can still qualify.
- [Affordability Myth #6: “A mortgage is a mortgage – they’re all the same, right?”](https://www.imcmortgagebrokers.co.uk/mortgage-matters/affordability-myth-6-a-mortgage-is-a-mortgage-theyre-all-the-same-right/): Think all mortgages work the same? Discover the key differences and how to choose the right type for your situation and goals.
- [Affordability Myth #5: “Go for the longest mortgage term – it keeps payments low!”](https://www.imcmortgagebrokers.co.uk/mortgage-matters/affordability-myth-5-go-for-the-longest-mortgage-term-it-keeps-payments-low/): Think longer mortgage terms always save money? Learn how longer terms lower monthly payments but cost more in interest over time.
- [Affordability Myth #4: “Once I’ve locked in a mortgage, my interest rate won’t change”](https://www.imcmortgagebrokers.co.uk/mortgage-matters/affordability-myth-4-once-ive-locked-in-a-mortgage-my-interest-rate-wont-change/): Locking in a mortgage doesn’t always mean your interest rate is fixed. Learn how rates can change and what it means for you.
- [Affordability Myth #3: “You can always borrow 4.5x your income”](https://www.imcmortgagebrokers.co.uk/mortgage-matters/affordability-myth-3-you-can-always-borrow-4-5x-your-income/): Think you can always borrow 4.5x your salary? Learn why lenders consider more than income – and how to find a mortgage you can truly afford.
- [Affordability Myth #2: “If I earn enough, I’ll be fine”](https://www.imcmortgagebrokers.co.uk/mortgage-matters/affordability-myth-2-if-i-earn-enough-ill-be-fine/): Earning well doesn’t guarantee a mortgage. Lenders consider debts, savings, credit history, and more to assess affordability.
- [Affordability Myth #1: "Renting is cheaper than owning"](https://www.imcmortgagebrokers.co.uk/mortgage-matters/affordability-myth-1-renting-is-cheaper-than-owning/): Rent may seem cheaper monthly, but owning builds equity and offers stability. Learn the true costs beyond just the monthly payment.
- [Confused about mortgage affordability? Here's what you really need to know](https://www.imcmortgagebrokers.co.uk/mortgage-matters/mortgage-affordability/): Are you confused about mortgage affordability? Our guide clears up the myths and helps you understand what you can really afford.

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# Detailed Content


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- Published: 2026-08-27
- Modified: 2026-08-27
- URL: https://www.imcmortgagebrokers.co.uk/mortgage-matters/meet-your-local-mortgage-brokers-in-felixstowe-imc/
Felixstowe is a town that stands apart. From the terraces above Bent Hill and the seafront gardens to the leafy avenues of the Trimleys and the family homes rising in Walton, it offers a coastal way of life you will not find anywhere else in Suffolk.


- Published: 2026-08-13
- Modified: 2026-08-25
- URL: https://www.imcmortgagebrokers.co.uk/mortgage-matters/securing-a-home-in-ipswich-for-a-self-employed-first-time-buyer-duo/

> Ipswich, Felixstowe and Haverhill Mortgage Centres have united as IMC Mortgage Brokers. Here's what the rebrand means for our Suffolk clients.

- Published: 2026-08-06
- Modified: 2026-08-19
- URL: https://www.imcmortgagebrokers.co.uk/mortgage-matters/imc-mortgage-brokers-announcement-local-centres-unite-under-new-brand/
We are delighted to announce that Ipswich Mortgage Centre, Felixstowe Mortgage Centre, and Haverhill Mortgage Centre have officially united under a single, fresh identity: IMC Mortgage Brokers. Recently highlighted in the local news following our brand unveil, this strategic rebrand marks a milestone chapter in our journey. Bringing our regional branches together under one cohesive banner reflects our growth across Suffolk while making it even easier for clients to connect with us, whether online or at their local branch.


- Published: 2026-07-23
- Modified: 2026-07-28
- URL: https://www.imcmortgagebrokers.co.uk/mortgage-matters/hassle-free-remortgage-for-debt-consolidation-home-improvements/

- Published: 2026-07-23
- Modified: 2026-07-23
- URL: https://www.imcmortgagebrokers.co.uk/mortgage-matters/first-time-buyers-navigating-a-complex-market/

- Published: 2026-07-16
- Modified: 2026-07-28
- URL: https://www.imcmortgagebrokers.co.uk/mortgage-matters/maximising-a-buy-to-let-portfolio/

- Published: 2026-07-15
- Modified: 2026-07-21
- URL: https://www.imcmortgagebrokers.co.uk/mortgage-matters/self-employed-applicant-with-fluctuation-in-income/

> Discover how IMC Mortgage Brokers overcame contiguous land access issues and under 2 years of self-employment to secure a high-street UK remortgage.

- Published: 2026-07-02
- Modified: 2026-07-02
- URL: https://www.imcmortgagebrokers.co.uk/mortgage-matters/remortgage-contiguous-property-access-issues/

> Discover how mortgage adviser Calvin Liles secured a specialist mortgage for a complex Grade II listed property with a commercial element and tight self-employed affordability.

- Published: 2026-06-25
- Modified: 2026-06-30
- URL: https://www.imcmortgagebrokers.co.uk/mortgage-matters/case-study-grade-ii-listed-commercial-property-mortgage/

> Interest-only mortgage past age 70 for a 68-year-old fixed-term contractor secured by IMC, avoiding a costly SVR and a forced property sale.

- Published: 2026-06-18
- Modified: 2026-06-18
- URL: https://www.imcmortgagebrokers.co.uk/mortgage-matters/interest-only-mortgage-past-retirement/
Learn how IMC Mortgage Brokers secured an interest-only remortgage past age 70 for a 68-year-old fixed-term contractor, avoiding a costly SVR and a forced property sale.


> Stay informed with the latest Ipswich housing market updates. Get insights on property prices, buyer activity, and market trends!

- Published: 2025-06-18
- Modified: 2025-07-03
- URL: https://www.imcmortgagebrokers.co.uk/mortgage-matters/house-prices-in-ipswich-latest-data/
Regular updates on Ipswich housing prices, providing the latest figures, buyer insights, and market context. Stay informed with current information to help you navigate Ipswich’s property market confidently.


> Learn why brokers recommend the right mortgage for you, not just the highest commission, and what to ask before you decide.

- Published: 2025-06-18
- Modified: 2025-06-19
- URL: https://www.imcmortgagebrokers.co.uk/mortgage-matters/affordability-myth-9-brokers-recommend-the-product-where-theyd-get-most-commission/
Mortgage brokers are regulated to act in your best interest – not chase commissions. A reputable broker prioritises the right mortgage for you, not the highest payout. Always ask questions – they’ll welcome it.


> Do you think a guarantor can replace your income? Discover why lenders still need proof you can afford repayments – even with family support!

- Published: 2025-06-18
- Modified: 2025-09-18
- URL: https://www.imcmortgagebrokers.co.uk/mortgage-matters/affordability-myth-8-if-my-family-can-be-guarantors-i-dont-need-a-job-to-get-a-mortgage/
A guarantor can strengthen your mortgage application – but it’s not a free pass. Lenders still need to see your income, affordability, and financial stability. Support helps, but you must stand on your own.


> Think a perfect credit score is a must for a mortgage? Learn why lenders consider more than just credit scores – and how you can still qualify.

- Published: 2025-06-18
- Modified: 2025-09-18
- URL: https://www.imcmortgagebrokers.co.uk/mortgage-matters/affordability-myth-7-if-your-credit-score-isnt-perfect-you-wont-get-a-mortgage/
Worried your credit score isn’t perfect? Don’t be. Lenders look at your full financial picture – not just the number. Imperfect credit doesn’t mean no mortgage. The right lender can still say yes.


> Think all mortgages work the same? Discover the key differences and how to choose the right type for your situation and goals.

- Published: 2025-06-18
- Modified: 2025-09-18
- URL: https://www.imcmortgagebrokers.co.uk/mortgage-matters/affordability-myth-6-a-mortgage-is-a-mortgage-theyre-all-the-same-right/
Not all mortgages work the same. Fixed, variable, tracker – each suits different needs. Choosing the right one means understanding your goals, risk comfort, and future plans, not just chasing the lowest rate.


> Think longer mortgage terms always save money? Learn how longer terms lower monthly payments but cost more in interest over time.

- Published: 2025-06-18
- Modified: 2025-09-18
- URL: https://www.imcmortgagebrokers.co.uk/mortgage-matters/affordability-myth-5-go-for-the-longest-mortgage-term-it-keeps-payments-low/

> Locking in a mortgage doesn’t always mean your interest rate is fixed. Learn how rates can change and what it means for you.

- Published: 2025-06-18
- Modified: 2025-09-18
- URL: https://www.imcmortgagebrokers.co.uk/mortgage-matters/affordability-myth-4-once-ive-locked-in-a-mortgage-my-interest-rate-wont-change/
Locking in a mortgage doesn’t always mean your interest rate stays the same. Fixed rates end, and variable or tracker rates can change – understanding this helps you plan for future costs.


> Think you can always borrow 4.5x your salary? Learn why lenders consider more than income – and how to find a mortgage you can truly afford.

- Published: 2025-06-18
- Modified: 2025-06-19
- URL: https://www.imcmortgagebrokers.co.uk/mortgage-matters/affordability-myth-3-you-can-always-borrow-4-5x-your-income/
That 4.5x income rule? It’s just a guideline. Lenders look at your full financial picture – debts, expenses, and income stability – to decide what you can really afford to borrow.


> Earning well doesn’t guarantee a mortgage. Lenders consider debts, savings, credit history, and more to assess affordability.

- Published: 2025-06-18
- Modified: 2025-06-19
- URL: https://www.imcmortgagebrokers.co.uk/mortgage-matters/affordability-myth-2-if-i-earn-enough-ill-be-fine/
Earning well helps, but it’s not the full story. Lenders look at your debts, savings, and credit history too. A strong financial picture beats a high income alone.


> Rent may seem cheaper monthly, but owning builds equity and offers stability. Learn the true costs beyond just the monthly payment.

- Published: 2025-06-18
- Modified: 2025-06-19
- URL: https://www.imcmortgagebrokers.co.uk/mortgage-matters/affordability-myth-1-renting-is-cheaper-than-owning/
Renting might seem cheaper monthly, but owning builds equity and offers payment stability. Explore the true costs of both options to understand which is really more affordable long-term.


> Are you confused about mortgage affordability? Our guide clears up the myths and helps you understand what you can really afford.

- Published: 2025-06-18
- Modified: 2025-06-19
- URL: https://www.imcmortgagebrokers.co.uk/mortgage-matters/mortgage-affordability/