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Author: WIS Team

The 2026 Remortgage Wave: What Homeowners Coming Off 1% Deals Should Expect

March 24, 2026

Many UK homeowners secured mortgage rates close to 1% during the pandemic years of 2020 and 2021. As those fixed-rate deals reach their end, many borrowers will need to review their mortgage options during 2026. Industry estimates suggest around 1.8 million fixed-rate mortgages are due to end this year, which means many homeowners may experience noticeable changes in their monthly payments. Understanding what is happening in the mortgage market can help borrowers plan and make informed decisions.

Mortgage Overpayments in 2026: The Smartest Way to Beat Higher Interest Rates

March 20, 2026

As mortgage rates remain higher than the ultra-low levels seen in recent years, many homeowners are exploring ways to reduce the interest they pay overtime. One strategy borrower often consider is making mortgage overpayments. Overpayments can reduce the outstanding balance faster, which may lower the total interest paid during the life of the mortgage.

What Buyers Should Know About an Agreement in Principle

March 13, 2026

When buying a property, many buyers hear the terms Agreement in Principle (AIP), Decision in Principle (DIP) or Mortgage Pre-Approval. These terms refer to an early stage in the mortgage process where lenders indicate how much they may be willing to lend. Having an Agreement in Principle can give buyers more confidence when searching for a property and may also help demonstrate financial readiness to estate agents.

Can I Get a Mortgage If I Use Buy Now Pay Later (BNPL) in 2026?

March 6, 2026

• BNPL usage does not mean a mortgage decline.
• High-frequency BNPL usage may reduce affordability.
• Missed BNPL payments can harm your credit profile.
• Some lenders now treat BNPL like unsecured credit.
• Transparency is critical during your mortgage application.

The Future of UK Mortgages: How Open Banking and Digital Identity Are Speeding Up Your Application

February 27, 2026

Digital tools are transforming mortgage applications across the UK by improving efficiency, reducing paperwork, and enhancing verification processes. Lenders are investing heavily in technology to streamline the mortgage process. From identity verification to document review, many steps that once took days can now happen much faster. Importantly, these tools support advisers and underwriters rather than replacing them.

Denied by High Street Banks? A Guide to Specialist UK Mortgages for Complex Income and Self-Employed

February 27, 2026

Specialist mortgage options can support borrowers with complex circumstances such as irregular income, credit history challenges, or non-standard properties. When standard criteria may not fit Some borrowers find that high street lenders are unable to accommodate their circumstances due to strict policy rules or automated assessments. This does not mean a mortgage is impossible. Different lenders assess risk in different ways. Many specialist lenders take a broader view of financial history and individual circumstances.