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If your mortgage deal is ending in the next few months, you may not need to wait as long as you think to start planning your next one.

“There’s no point looking - I need at least 15% saved.” It’s one of the biggest barriers stopping people from even exploring their options. Let’s clear that up.

“If I had an accident or got ill, I’d manage.” It’s something many of us assume. But if you couldn’t work for months, how would you maintain your mortgage and lifestyle?

“I don’t need life insurance - I don’t even have a mortgage.” Life insurance isn’t about the lender. It’s about the people who rely on you.

Many people assume that unless they have a 10% deposit saved, buying a home simply isn’t possible. The truth? You may not need a 10% deposit at all.

If you’ve ever been told you have bad credit, you might assume homeownership is off the table. The truth? Bad credit doesn’t automatically mean no mortgage.

Many homeowners believe they can’t do anything about their mortgage until their current deal ends. The truth? You can usually lock in a new deal up to six months in advance.

Many assume mortgage rates are still painfully high, so they delay. The truth? Mortgage rates have started to reduce - and opportunities are opening up right now.

Many people believe that Buy to Let mortgages always require a 25% deposit. The truth? While 25% is common, it’s not always required.

Many people put off speaking to a mortgage adviser because they think they’re not prepared. The truth? Getting mortgage-ready is simpler than most people think.

Many people worry that their bank statements will instantly stop them getting a mortgage. The truth? It’s rarely that simple.

Many buyers are told there’s a hard limit on how much they can borrow. The truth? In the right circumstances, some borrowers can access mortgages of up to 7 times their income.

Being told you can’t borrow enough can feel like a full stop on your homeownership plans. The truth? It’s often just the first opinion, not the final answer.

Many homeowners are surprised to learn that having an energy-efficient home can sometimes unlock better mortgage rates. But how does it actually work?

Many people believe that once they reach a certain age, getting a mortgage becomes impossible. The truth is very different. Age alone does NOT stop you getting a mortgage.

If you’re living in the UK on a visa, you’ve probably heard you can’t get a mortgage until you have permanent residency. The truth? Many people on visas CAN get a mortgage.

Your own bank knows you best, so they’ll give you the best mortgage deal, right? Not necessarily. Loyalty doesn’t always mean the lowest rate or the best terms.

Think a missed payment or low credit score means you’ll never own a home? Think again. A credit blip doesn’t automatically stop you from getting a mortgage.

If you’re a contractor, freelancer, or consultant, irregular income can feel like a hurdle. The good news? Many lenders assess contractors on real earning potential.

One of the most common myths for the self-employed: you can’t get a mortgage unless you’ve traded for two years. The truth? Some lenders accept just one year’s accounts.