# IMC Mortgage Brokers


## Pages

- [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.
- [Felixstowe](https://www.imcmortgagebrokers.co.uk/felixstowe/): Independent mortgage brokers Felixstowe at IMC (formerly Felixstowe Mortgage Centre). The same 5* service with a fresh new look!
- [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!
- [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.
- [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 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.
- [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.
- [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.
- [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.
- [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?
- [Remortgaging for debt consolidation](https://www.imcmortgagebrokers.co.uk/mortgages/remortgage/debt-consolidation/)
- [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 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.
- [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.
- [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.
- [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
- [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.
- [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/): Independent mortgage broker in Ipswich from IMC Mortgage Brokers (formerly Ipswich Mortgage Centre). Same people, same 5* service, new look!
- [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.
- [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!
- [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.
- [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.
- [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.
- [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.
- [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.
- [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.
- [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.
- [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/): Use our Right to Buy calculator to see how much you could save when buying your council home below market value through the scheme.
- [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!
- [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.
- [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.
- [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!
- [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.
- [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/): Get a Right to Buy Mortgage and purchase your council house at a discounted price under the Right to Buy scheme.
- [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/): Ipswich Mortgage Centre brings you IMC Mortgage Brokers. Expert Mortgage Advisors in Ipswich & Beyond.
- [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

- [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.
- [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.
- [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.
- [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 #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 #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 #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 #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 #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 #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 #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.
- [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!

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# Detailed Content


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## Posts

> 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.


> 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/

> 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.


> 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.


> 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.


> 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 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/

> 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 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.


> 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.


> 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.


> 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.