The MAN Blog
Straight-talking guides on mortgages, self-employment, adverse credit, buy to let and everything in between. No jargon, no filler.
All blog posts
Zero Deposit Mortgages
Zero Deposit Mortgages in 2026: What's Real and What's Marketing
100% mortgages are back. A UK mortgage broker explains what's actually available in 2026, who qualifies for Skipton Track Record, April, Gable and Hanley products, and whether a zero deposit mortgage makes sense for your situation.
Buy to Let
Portfolio Landlords: What the Stress Test Changes Mean for Your Next Purchase
If you own four or more mortgaged buy-to-let properties, lenders assess your entire portfolio. A UK mortgage broker explains the current ICR, stress test rules and the January 2026 PRA update.
Remortgage
Thinking About Remortgaging? Read This First.
A UK mortgage broker explains exactly when to start the remortgage process, how to lock in a rate while keeping it under review, and the costly mistake most people make.
Contractors
How Contractor Mortgages Actually Work (And Why Your Bank Gets It Wrong)
Day-rate contractors get undervalued by high-street banks because mainstream affordability tools weren't built for contract income. A UK mortgage broker explains how specialist lenders calculate it differently.
Adverse Credit
Bad Credit Doesn't Mean No Mortgage. Here's What's Actually Available.
Bad Credit Doesn't Mean No Mortgage. Here's What's Actually Available. A UK mortgage broker explains how specialist lenders assess adverse credit including missed payments, defaults, CCJs, DMPs, IVAs and discharged bankruptcy.
Self-Employed
5 Things Self-Employed People Get Wrong About Mortgage Applications
Most self-employed mortgage refusals are avoidable. Here's what actually trips people up; and what to do about it.