Ifthikar Mohamed, Author at WIS Mortgages

Skilled Worker Mortgage 2026: Has It Got Easier to Get a Mortgage in the UK?

January 2, 2026

For many Skilled Workers living in the UK, buying a home has always felt like an uphill
battle.
Saving a deposit while paying high rent, understanding complex lending rules, and navigating
UK credit systems can feel overwhelming.

Do You Need Experience to Become a Mortgage Broker? What You Can Do Today

December 26, 2025

A common question for newly qualified advisers — and those thinking about switching careers — is:

Do I need experience to become a mortgage broker?”

The honest answer is:

No — you don’t need prior experience to start a career as a mortgage broker.

Remortgaging for NHS Workers – Can You Get a Better Deal?

December 26, 2025

Working for the NHS is a noble pursuit that helps to support an ever-growing healthcare
service in the UK. When it comes to remortgaging, though, working for the NHS can make
things complicated. Not all lenders understand the unique pay structure for NHS workers, so
it helps to do a bit of research to find the most suitable lender for remortgaging.

Can Multiple Care Worker Incomes Be Combined for a Joint Mortgage?

December 26, 2025

There are more care workers in the UK than ever before, with more 905,000 working across care homes, residential services and NHS settings. Many care workers rely on overtime and variable earnings to supplement their income, which makes getting a mortgage a bit more complicated.

First-Time Buyer Opportunities in 2026: Why the Next Two Years Could Be Your Moment

December 26, 2025

The Bank of England has just reduced the base rate. The Financial Conduct Authority has
also relaxed certain rules to support first-time buyers. At the same time, more lenders are
launching schemes designed specifically to help people get onto the property ladder.

Is There a Minimum UK Stay Required to Get a Mortgage on a Visa?

December 19, 2025

For many visa holders in the UK, one of the first questions when considering home ownership is simple but important: Do I need to live in the UK for a minimum period before I can get a mortgage? Traditionally, the answer was yes. However, the reality today is more nuanced, and in some cases, far […]

How New Mortgage Brokers Can Get Leads Without Paying for Them

December 19, 2025

One of the biggest challenges for newly qualified mortgage brokers is finding clients without spending money on advertising. When you are just starting out, you may not have a strong brand, a client bank or a referral flow.

The Hidden Costs of Some Mortgage Networks and What Brokers Should Watch Out For

December 19, 2025

Choosing the right mortgage network is one of the most important decisions a broker will ever make. For both newly qualified advisers and experienced brokers, the wrong network can limit income, reduce motivation and create unnecessary financial pressure. Many networks appear attractive at first but include hidden

Can You Remortgage If You Have an Existing Loan?

December 19, 2025

Remortgaging can be an effective way to reduce monthly payments, access better interest
rates, or release equity from your property. However, other loans can sometimes get in the
way of your plans by impacting your borrowing potential.

How Bonuses and Overtime Are Calculated in Mortgage Applications

December 19, 2025

Applying for a mortgage is a big undertaking that involves taking a close look at your
finances. In most cases, that means your income is one of the biggest factors that determine
how much you can borrow.

Author: Ifthikar Mohamed