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Self-Employed Mortgages – A Complete Guide Looking for a mortgage while self-employed? At Stuart Ash Mortgage Services, we specialise in helping freelancers, contractors, sole traders, and company directors secure competitive mortgage deals—without the stress. What Does “Self-Employed” Mean for Mortgage Applications? For mortgage purposes, you're considered self-employed if you own 20–25% or more of a [...]

What is a Drawdown facility for a Lifetime Mortgage? Equity release is a way for homeowners over 55 to unlock cash tied up in their property without having to sell it. One popular option is a drawdown lifetime mortgage, which offers more flexibility than taking a single lump sum. How a Drawdown Lifetime Mortgage Works? [...]

Equity Release Plymouth: The Pros and Cons of Equity Release: As homeowners grow older, many consider equity release as a way to unlock the cash tied up in their property. Equity release allows people to access cash while continuing to live in their home. But like any financial product, it comes with both advantages and [...]

Equity release can be used by homeowners over 55 years old to unlock the cash in their property. However, it’s a complex financial product, and getting the right advice is essential. Asking the right questions ensures you understand the risks, benefits, and long-term impact is essential. Here’s a guide to the top 10 questions to [...]

Mortgage Advice Plymouth: A Buy-to-Let Mortgage Buyers Guide Thinking about investing in property? A buy-to-let mortgage can be the key to turning property into a long-term income stream. Whether you’re a first-time landlord or expanding your property portfolio, understanding how buy-to-let mortgages work is essential. As experienced mortgage advisors in Plymouth, we’ve created this guide [...]

Mortgage Advice Plymouth: Fixed Rate vs Tracker Rate Mortgages: Which Is Right for You? When choosing a mortgage, one of the biggest decisions is whether to go with a fixed-rate mortgage or a tracker-rate mortgage. Both options have advantages and drawbacks, and the right choice depends on your circumstances, risk appetite, and financial goals. As [...]

Mortgage Advice Plymouth: Interest Rate Forecast for 2026: A Guide for Homeowners and Buyers As an mortgage broker serving Plymouth and across Devon & Cornwall, Stuart Ash Mortgage Services Ltd is committed to helping you stay ahead of the curve. One of the biggest questions we’re hearing from clients is: “What will happen to interest [...]

What Is an Agreement in Principle? A Mortgage Broker’s Guide If you’re beginning your journey to buy your first home or making your next move, you will hear the term “Agreement in Principle” (AIP) or “Decision in Principle.” (DIP). But what is it, and why is it important when applying for a mortgage? As mortgage [...]