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# Liddle Perrett Mortgage Broker: Changing the way you buy your mortgage and protection forever

## Sitemaps
[XML Sitemap](https://liddleperrett.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Case Study: Securing a Future Without a Salary](https://liddleperrett.com/securing-a-future-without-a-salary/): Transitioning to a new home after a divorce is a daunting task, particularly for those who have been out of the workforce to care for their family. This case study demonstrates how "non-earned income" can be the key to homeownership.
- [Case Study: From Renting to Homeownership Post-Divorce](https://liddleperrett.com/from-renting-to-homeownership-post-divorce/): For many, renting after a divorce feels like a temporary "waiting room." This case study shows how an NHS professional transitioned from renting back into property ownership by maximizing her borrowing potential.
- [Case Study: From Long-Term Tenant to Homeowner](https://liddleperrett.com/from-long-term-tenant-to-homeowner/): Breaking the "rent trap" is a major milestone, especially for young professionals. This case study illustrates how an IT technician leveraged government incentives and low-deposit schemes to finally own his first property.
- [Case Study: Helping Sarah Keep the Family Home](https://liddleperrett.com/helping-sarah-keep-the-family-home/): After a divorce, the transition from a dual-income household to a single-income household can be overwhelming; especially when children are involved. This case study explores how strategic financial planning helped Sarah secure stability for her family.
- [Case Study: Helping Tom & Aisha Secure Their First Key](https://liddleperrett.com/helping-tom-and-aisha-secure-their-first-key/): For many young couples, the dream of homeownership feels just out of reach due to modest incomes or past credit mistakes. This case study shows how professional guidance can turn "maybe" into "move-in day."
- [Case Study: Using Equity Release to Fund the Next Generation](https://liddleperrett.com/using-equity-release-to-fund-the-next-generation/): Many parents want to help their children onto the property ladder but don't necessarily have tens of thousands of pounds sitting in a savings account. This case study shows how David and Helen used the value of their own home to jumpstart their son’s future.
- [Case Study: Launching a First-Time Buy-to-Let Venture](https://liddleperrett.com/launching-a-first-time-buy-to-let-venture/): Stepping into the world of property investment can be intimidating, especially when transitioning from a traditional homeowner to a landlord. This case study explores how James navigated the complexities of his first Buy-to-Let (BTL) purchase.
- [Case Study: Boosting a Daughter’s Buying Power via Equity Release](https://liddleperrett.com/boosting-a-daughters-buying-power-via-equity-release/): When a child’s savings can’t keep pace with rising house prices, parents often look for creative ways to help. This case study looks at how Mark and Susan used their most valuable asset—their home—to give their daughter a head start.
- [Case Study: Partnering for Success in the Buy-to-Let Market](https://liddleperrett.com/case-study-partnering-for-success-in-the-buy-to-let-market/): Entering the investment property market as a couple requires balancing two different financial backgrounds. This case study shows how Mark and Lucy combined their strengths to secure their first rental property.
- [The 2026 UK Remortgaging Cliff: How to Protect Your Pocket in a Volatile Market](https://liddleperrett.com/mortgage-market-remortgaging-cliff-2026/): If you are currently on a fixed-rate deal, or if your deal is coming to an end soon, you might be feeling anxious about what comes next. Let’s strip away the confusing jargon and look at what is actually happening in the mortgage market right now, and—most importantly—what you can do to protect your household budget.
- [Navigating the 2026 UK Mortgage Market: Smart, Actionable Ways to Secure the Best Rates](https://liddleperrett.com/secure-the-best-rates/): If you want to secure the best rates for your mortgage, keeping an eye on the property market could give you vital insights. You have probably noticed already that the UK mortgage market is changing almost daily. Homeowners and buyers who were hoping for a smooth, steady drop in borrowing costs this year are finding themselves on a bit of a financial rollercoaster. Between global energy spikes, inflation jitters, and a sudden political shakeup in Westminster, there is plenty of dramatic news out there.
- [Protecting Your Home: A Simple Guide to Mortgage Insurance Costs](https://liddleperrett.com/simple-guide-to-mortgage-insurance-2026/): Our guide to mortgage insurance explains the ins and outs of mortgage insurance and what you need to put in place to protect your family.
- [Navigating UK Inheritance Tax: A Guide to Planning for Your Property, Debt, and Trusts](https://liddleperrett.com/uk-inheritance-tax/): UK Inheritance Tax (IHT) is a growing consideration for many families. Due to "fiscal drag"—where tax-free limits remain frozen while asset values rise—more estates are potentially falling within the tax net. Understanding current IHT rules and planning for potential future changes is essential to help mitigate the impact on your family's wealth.
- [2026 UK Equity Release & Later Life Lending: Strategic Market Report](https://liddleperrett.com/2026-uk-equity-release-report/): This report analyses the 2026 UK equity release and later life lending landscape, focusing on interest rate shifts, regulatory changes, and technological innovations in equity release. It is an update on our article “More Flexibility, Better Protections: Why Equity Release Mortgages Are Evolving in 2025”, written in 2025, which looked in depth at the Equity Release market last year.
- [Does mortgage protection cover me if I lose my job or am made redundant?](https://liddleperrett.com/mortgage-payment-protection-insurance/): Standard mortgage protection generally refers to Decreasing Term Assurance (life insurance), which pays off your loan if you die. It rarely covers unemployment. To protect your home against redundancy, you specifically need Mortgage Payment Protection Insurance (MPPI) or a dedicated Redundancy Cover.
- [The 2025 Mortgage Market: Navigating New Realities](https://liddleperrett.com/2025-mortgage-market-roundup/): In the 2025 mortgage market, the UK financial landscape has shifted fundamentally. For homeowners and investors alike, the focus has moved from aggressive asset accumulation to wealth protection—a strategy we at Liddle Perrett call "Financial Defence."
- [Fear vs. Reality: How the Liddle Perrett Budget Predictions Stacked Up Against Autumn Budget 2025](https://liddleperrett.com/autumn-budget-2025-fear-vs-reality/): Leading up to the Autumn Budget 2025, the UK property sector was rife with speculation. A few days before the Chancellor’s speech, we published a strategic advisory piece titled 'The November Fiscal Reckoning," warning investors of a potential "financial threat" driven by rumoured tax hikes.
- [The November Fiscal Reckoning: Leveraging Finance for Tax Defence and Portfolio Restructuring](https://liddleperrett.com/budget-november-2026-property-investors/): The 26 November 2025 Autumn Budget mandates a complete reassessment of financial structuring for UK property investors, particularly in the Buy-to-Let (BTL) sector. As targeted taxation measures, notably the anticipated National Insurance Contribution (NIC) levy on rental income 1, threaten to collapse yields for unincorporated landlords, reorganising portfolios into a professional structure is rapidly becoming a financial necessity.
- [Bridge the Gap: How Bridging Loans Can Make Moving Home Easier](https://liddleperrett.com/bridging-loans-bridge-the-gap-in-2025/): That’s where bridging loans come in. A bridging loan helps you “bridge the gap” between buying your new home and selling your old one, giving you the funds, flexibility, and peace of mind to move on your own terms.
- [Inheritance Tax Changes 2025: Why You Can’t Afford to Wait](https://liddleperrett.com/inheritance-tax-changes-2025/): Discover the latest on UK mortgage affordability in August 2025, the autumn remortgage outlook, and how government policy is shaping first-time buyer mortgages and housing supply.
- [UK Mortgage Affordability Challenges in August 2025; and What’s Ahead for Autumn](https://liddleperrett.com/uk-mortgage-affordability-challenges-august-2025/): Discover the latest on UK mortgage affordability in August 2025, the autumn remortgage outlook, and how government policy is shaping first-time buyer mortgages and housing supply.
- [The Smart Way to Secure the Best Mortgage Deal – and Protect It](https://liddleperrett.com/the-best-way-to-secure-the-right-mortgage-deal/): The UK mortgage market in 2025 is more complex and fast-moving than ever. With interest rates beginning to fluctuate, lending criteria easing, and mortgage products seemingly changing daily, finding the right deal can feel like navigating a maze. Whether you’re a first-time buyer, remortgaging, or moving up the property ladder, this is where the expertise of a mortgage broker becomes invaluable.
- [More Flexibility, Better Protections: Why Equity Release Mortgages Are Evolving in 2025](https://liddleperrett.com/equity-release-mortgages-are-evolving-in-2025/): At Liddle Perrett, we speak to many clients over 55 who are considering equity release mortgages as part of their retirement planning or to support loved ones financially. Whether it’s to boost your pension income, fund home improvements, or help your children onto the property ladder, equity release is becoming a far more flexible and safer option than it once was.
- [Equity Release: How the Bank of Mum and Dad (or Grandma and Grandad) Can Support the Next Generation](https://liddleperrett.com/equity-release-bank-of-mum-dad/): But what happens when your cash reserves aren’t enough, yet most of your wealth is tied up in your property? That’s where equity release could provide a flexible and tax-free solution, helping you unlock the value in your home to support your children or grandchildren, right when they need it most.
- [Complicated Buy-to-Let Mortgages: Why They Happen and How to Secure the Right Deal](https://liddleperrett.com/complicated-buy-to-let-mortgage/): Complicated buy-to-let mortgages aren’t unusual, and neither is being declined by lenders who aren’t equipped to handle them. But a mortgage rejection can waste time, delay purchases, and even damage your credit profile.
- [Spring Statement 2025: Impact on Mortgages and the Housing Market](https://liddleperrett.com/spring-statement-2025/): The Spring Statement 2025, delivered by Chancellor Rachel Reeves, outlines a range of fiscal policies that will influence the housing market. This report explores the implications for first-time buyers, remortgages, equity release, and mortgage interest rates more broadly.
- [Lender Perceptions: How High Net Worth Individuals Can Navigate Complex Lending Processes](https://liddleperrett.com/high-net-worth-individuals-lender-insights/): For high net worth individuals (HNWIs), releasing capital from property, whether investment property or family home can be a challenge—despite substantial wealth. One of the key hurdles is the perception of financial complexity. While it’s commonly assumed that HNWIs have a straightforward financial profile, many lenders view them through a different lens, particularly when their income comes from self-employment or fluctuates year-on-year. 
- [Start 2025 Right: A Comprehensive Guide to Reviewing Your Mortgage, Protection, and Estate Planning](https://liddleperrett.com/guide-to-reviewing-your-mortgage/): Welcome to our Guide to Reviewing your Mortgage, protection and estate planning. Now that the Christmas decorations are back in the loft, the turkey has finally all gone and we’re racing toward February, why not take the time to evaluate your financial standing and ensure that your plans align with your goals? A thorough review of your mortgage, mortgage protection, and estate planning, can provide peace of mind and financial security for you and your loved ones. Here's how you can get started:
- [Estate Planning: Protecting Your Home and Securing Your Family’s Future](https://liddleperrett.com/estate-planning-next-generation/): This blog is a summarised version of our e-book “Estate Planning: Protecting Your Home and Ensuring Your Family's Future”. You can download this e-book by completing the information at the end of this blog. 
- [Why Understanding Your Credit File is Essential Before Applying for Finance—Especially Mortgages](https://liddleperrett.com/credit-file-check-for-free/): When it comes to securing finance, whether for a mortgage, a car loan, or even a credit card, understanding your credit file is really important. Your credit file holds the key to your financial future. It’s the report that lenders use to determine your creditworthiness, which in turn affects whether or not you get approved for loans, what interest rates you’re offered, and even how much credit you can receive. 
- [Equity Release Mythbusting: Separating Fact from Fiction](https://liddleperrett.com/equity-release-mythbusting/): Equity release is becoming increasingly popular among homeowners looking to access the cash tied up in their properties. However, with its rise in popularity comes a host of misconceptions that can lead to confusion and hesitation. In this article, we’ll debunk some of the most common myths surrounding equity release, helping you make informed decisions.
- [Buy to Let Mortgages: Challenges in the Current UK Market](https://liddleperrett.com/buy-to-let-investors/): Buy-to-Let Investors in the UK housing market have enjoyed successful business for a long time, offering the potential for steady rental income and capital growth. Over the last few years, however, the buy-to-let market has faced new challenges. Investors now face a combination of economic pressures, regulatory changes, and evolving market conditions that have made it more challenging for buy to let investors develop successful property portfolios. In our latest blog, we'll take a look at the current challenges facing buy-to-let investors, and provide some insights on how to navigate these obstacles.
- [Safeguarding Your Legacy: The Risks of Not Including Mortgage Protection Insurance in Estate Planning](https://liddleperrett.com/mortgage-protection-insurance-2/): Mortgage protection insurance is vital to reduce the impact of mortgage debt on your estate. Mortgage debt is often one of the largest financial obligations individuals carry, and its impact on your estate can be significant. In this article, we’re taking a look at the impact of a mortgage on your estate and your beneficiaries. We look at some of the possible scenarios where there is a mortgage debt, how it can be dealt with, and the benefits of including mortgage protection in your estate planning.
- [Securing Your Legacy: The Benefits of Including Commercial and Buy to Let Mortgage Protection in Estate Planning and Business Continuity Strategies](https://liddleperrett.com/buy-to-let-mortgage-protection/): Incorporating commercial and buy to let mortgage protection insurance into your estate planning offers several benefits.
- [Safeguarding Your Home and Family: Why Mortgage Protection Insurance is Crucial](https://liddleperrett.com/mortgage-protection-insurance/): Securing a stable and safe future for your family is crucial in the event that something goes wrong. One of the most significant steps towards this financial goal is ensuring that your home, the heart of your family life, remains protected should something happen to you and you are unable to work, or you pass away unexpectedly. For homeowners, especially parents, mortgage protection insurance offers an invaluable, cost effective safeguard. This article explores why mortgage protection is essential, the types available, who needs it, and how to secure the best plan for your family.
- [Equity Release FAQs: 10 Frequently Asked Questions](https://liddleperrett.com/equity-release-faqs/): In our Equity Release FAQs we aim to answer your most pressing questions about equity release, a financial option that allows homeowners to access the value tied up in their property.
- [Understanding Equity Release: A Comprehensive Guide](https://liddleperrett.com/equity-release-guide/): Equity release has emerged as a popular option for those seeking financial flexibility in retirement or to meet other financial goals. In this comprehensive guide, we'll look at how it works, the different types of plans available, and important considerations for anyone considering this option.
- [The Mortgage Market in 2024: Understanding the Trends and Implications for your Mortgage](https://liddleperrett.com/mortgage-market-trends-2024/): The UK mortgage market continues to be unpredictable, shaped by various economic factors, government policies, and global events. The key element of the mortgage market that is influenced by these factors, and which continues to influence homebuyers and lenders alike are the fluctuations in interest rates.
- [Navigating the Mortgage Maze: Understanding Your Mortgage Options and the Crucial Role of Expert Advice in 2024](https://liddleperrett.com/understanding-your-mortgage-options/): In the ever-evolving landscape of real estate and finance, securing a mortgage is a pivotal step on the journey to homeownership. As we step into 2024, the dynamics of the mortgage market continue to shift, making it imperative for prospective homebuyers to understand their mortgage options and seek expert advice. This blog will explore the various mortgage choices available, what you can expect from the mortgage market in 2024, and why seeking professional guidance is more crucial than ever.
- [Navigating the mortgage market in 2024:what you need to know](https://liddleperrett.com/mortgage-market-2024/): Navigating the mortgage market in 2024 is likely to be an uncertain, challenging task. The big question on everyone's mind is whether interest rates will continue to fall or if the Bank of England will hold or reduce the base rate of interest. With these variables in play, potential homeowners need to stay updated on market trends and consult with financial experts to make informed decisions about their mortgage options.
- [Remortgage or New Mortgage? Should you build or Move?](https://liddleperrett.com/remortgage-or-new-mortgage/): Deciding between a remortgage or new mortgage can be a tough choice, especially when you're juggling the needs of your family and your career. It's essential to make the right financial decisions that will benefit you in the long run. In this blog post, we will explore the pros and cons of a remortgage or new mortgage, helping you determine which option is best for you. So, if you're torn between the two and looking for some guidance, keep reading to find out whether you should build or move when it comes to your mortgage.
- [Understanding the Role of a Specialist Buy to Let Mortgage Broker: A Comprehensive Guide](https://liddleperrett.com/specialist-buy-to-let-mortgage-broker/): A specialist buy to let mortgage broker is a professional who assists individuals in securing mortgage financing for investment properties, typically buy to let, commercial property, holiday lets and other properties purchased for investment or commercial purposes.
- [What’s Happening with Mortgage Interest Rates?](https://liddleperrett.com/mortgage-interest-rates-2023-blog/): Rising and falling mortgage interest rates aren't a new phenomena. Mortgage interest rates rose to as high as 19% during the 1980s, and as low as an average of 3.59% in September 2021.
- [Why Using A Mortgage Broker To Secure Your Mortgage Is A Good Idea: Part 3](https://liddleperrett.com/secure-your-mortgage-today-part-3/): Secure your Mortgage using a mortgage broker. In Part 1 of our blog we looked at the mortgage market, and how a mortgage broker can help you to navigate the vast array of mortgage options, products, rates and lenders.
- [Why Using A Mortgage Broker To Secure Your Mortgage Is A Good Idea: Part 2](https://liddleperrett.com/using-a-mortgage-broker-part-2/): When it comes to purchasing a home or refinancing your mortgage, the process can be complex and overwhelming. Many people will assume that they can handle it on their own, but there is an alternative: using the services of a mortgage broker. 
- [100% Mortgages: Securing an Affordable Mortgage](https://liddleperrett.com/100-mortgages-what-you-need-to-know/): 100% mortgages, also known as no deposit mortgages, allow homebuyers to borrow the entire purchase price of a property without needing to provide a deposit. While they can be attractive to first-time buyers or individuals who may not have substantial savings, there are both risks and benefits associated with 100% mortgages in the UK.
- [Why using a mortgage broker to secure your mortgage is a good idea: Part 1](https://liddleperrett.com/why-using-a-mortgage-broker-is-a-good-idea-1/): A mortgage broker will have access to the whole market, including products that are not available on the high street or online.
- [What’s in Store for the Mortgage Market 2023?](https://liddleperrett.com/housing-market-and-mortgage-market-2023/): Before we take a look forward into the mortgage market 2023 let's take a look back at the h0using market in 2022, how it performed and how it will influence performance in 2023.
- [Christmas Opening Hours](https://liddleperrett.com/christmas-opening-hours/):  Christmas is nearly here, so from the team here at Liddle Perrett we'd like to take the opportunity to wish you and your family a Merry Christmas and a peaceful New Year.
- [What is the Best type of Mortgage for me to Consider?](https://liddleperrett.com/best-type-of-mortgage/): If you’re looking for a mortgage you will be familiar with the plethora of deals, offers and rates on offer. If you’re in the market to buy a home, or remortgage your existing property, the array can be overwhelming. But it's not just the deals and offers presented by lenders, but the different types of mortgage on offer as well.
- [Strategic Planning and Property Tax in Property Investment](https://liddleperrett.com/property-tax-and-buy-to-let-mortgage/): Justin brings his expert knowledge in areas like qualitative analysis, capital gains tax, and property tax structuring. 
- [What next for Mortgage Interest Rates](https://liddleperrett.com/mortgage-interest-rates/): Mortgage interest rates are on the rise. That's no surprise. The Bank of England increased the Base Rate of Interest to 1.75% in August, and has been raised by 0.5% to 2.25% in September. Further rises are expected later this year and into next year as the Bank attempts to curb rising inflation.
- [Act Today to save on Mortgage Repayments Tomorrow](https://liddleperrett.com/mortgage-repayments/): If you are a homeowner with a mortgage and are worried about your repayments then act now and fix your mortgage rate before interest rates rise again. We'll look at current conditions in the mortgage market, the benefits of sorting your mortgage out now, and what's happening in the market.  With the cost of living storm sweeping the nation this Summer, its perfectly possible to take steps to manage your monthly outgoings, but acting now is critical. Working out mortgage repayments can be difficult though, so we've written this article to help you consider your options. 
- [first time investors and buy to let mortgages](https://liddleperrett.com/buy-to-let-mortgages-and-first-time-investors/): Criteria for Buy to Let Mortgages
- [Equity Release: what is it and is it a good idea?](https://liddleperrett.com/equity-release-is-it-a-good-idea/): Equity release is, put simply, a way to unlock some of the value in your home in the form of a cash lump sum, tax-free, so to use to help you achieve your goals in later life.
- [Is now the Time to Take out a Fixed Rate Mortgage?](https://liddleperrett.com/secure-your-fixed-rate-mortgage-today/): In our latest blog, we’re looking at whether a fixed rate mortgage is a good option for you to counter rising interest rates.
- [#6 Good Reasons to Review your Life Insurance](https://liddleperrett.com/6-good-reasons-to-review-your-life-insurance/): No one likes to contemplate the end of their life, or how your family will cope after you’re gone, but life insurance is a must-have policy, not a luxury. So you put your life insurance in place, print off the policy paperwork, and put it in your safe place with your will and other important documents, never to be seen again, right?
- [Residential Buy to Let Mortgages: #3 need to know facts](https://liddleperrett.com/residential-buy-to-let-mortgages-3-need-to-know-facts/): Residential buy to let mortgages are available for individuals and companies renting property out for people to live in. We know that already, but what are the particulars that you need to be aware of? 
- [Financial Review: #7 things to consider mid-year](https://liddleperrett.com/financial-review-7-things-to-consider-mid-year/): Is a financial review something that you do regularly, or do you work month to month or quarter to quarter? There are some real benefits to carrying out a financial review and now is a perfect time. Not only because our lives are changing (again) with the relaxation of Covid rules, but we’re at that mysterious mid-year point. Which isn’t mid-year at all, but it feels like it right?
- [First Time Buyers: #3 things that you need to know](https://liddleperrett.com/first-time-buyers-3-things-that-you-need-to-know/): Buying your first home is an exciting time, but as first time buyers you won’t have the benefit of experience to fall back on as you navigate the challenges of finding your new home, and successfully applying for your mortgage.
- [Bank of Mum and Dad : what you need to know](https://liddleperrett.com/bank-of-mum-and-dad-what-you-need-to-know/): Are you contemplating going to the Bank of Mum and Dad for help with the deposit for your home? Or you’re a parent who wants to help your children onto the property ladder? The simple fact is that parents are helping their children finance their home more and more thanks to the affordability of properties in many areas of the UK.
- [Buy to Let Mortgages: 3 Questions Answered](https://liddleperrett.com/buy-to-let-mortgages-3-questions-answered/): Buy to Let mortgages are designed specifically for landlords who buy property to rent out. You will be familiar with many of the terms that apply to them already as they are similar in many ways to residential mortgages, but there are differences. It’s also important to understand that except for some very specific circumstances, a conventional residential mortgage cannot be used to finance a buy to let property

## Pages
- [Case Studies](https://liddleperrett.com/case-studies/): Case Studies We regularly publish case studies that give you
real-world insight into how we support our clients with their sometimes complex mortgage and protection requirements.
- [Case Studies](https://liddleperrett.com/resource-centre/case-studies/): Case Studies Keep up to date with our case studies and find out how we support our clients to meet their mortgage and protection requirements to achieve their financial goals.
- [Resource Centre](https://liddleperrett.com/resource-centre/): Resource Centre Welcome to our Resource Centre where we publish articles, video and guides to help you make deicsions about your financial future. Review our Insights & Analysis View the Latest in the Video Library Residential Mortgage Articles Review our Mortgage Protection Articles View Estate Planning Articles & Information Articles about Equity Release for over 55s View our Buy to Let Mortgage Articles Articles About Bridging Finance View our Residential Mortgage Guide View our Mortgage Protection Guide View our Buy to Let Mortgage Guide Review our Real-World Case Studies Find out more about Check My File
- [Equity Release Articles](https://liddleperrett.com/resource-centre/equity-release-articles/): Mortgage Protection Articles We regularly publish
articles about equity release with information and our tips to help you
understand and make decisions about your
home, finance and family after 55.
- [Bridging Finance Articles](https://liddleperrett.com/bridging-finance-articles/): Mortgage Protection Articles We regularly publish
articles about bridging finance with information and our tips to help you
understand and make decisions about your
residential, buy to let or commercial property.
- [Mortgage Market Articles](https://liddleperrett.com/mortgage-market-articles/): Mortgage Protection Articles We regularly publish
articles about the mortgage market with information and insights to help you
understand and make decisions about your
property, finance and family.
- [Residential Mortgage Articles](https://liddleperrett.com/resource-centre/residential-mortgage-articles/): Mortgage Protection Articles We regularly publish
articles about residential mortgages with information and our tips to help you
understand and make decisions about your
family home.
- [Buy to Let Articles](https://liddleperrett.com/resource-centre/buy-to-let-articles/): Mortgage Protection Articles We regularly publish
articles about buy to let mortgages with information and our tips to help you
understand and make decisions about your
property investment portfolio.
- [Mortgage Protection Articles](https://liddleperrett.com/mortgage-protection-articles/): Mortgage Protection Articles We regularly publish
articles about mortgage protection with information and our tips to help you
understand and make decisions about your
mortgage, protection and insurances.
- [Estate Planning Articles](https://liddleperrett.com/resource-centre/estate-planning-articles/): Mortgage Protection Articles We regularly publish
articles about estate planning with information and our tips to help you
understand and make decisions about your
family, future and finances.
- [Videos](https://liddleperrett.com/resource-centre/videos/): Every video that we create is published here. If you have any questions please contact us
- [mortgage calculator](https://liddleperrett.com/mortgage-calculator/): Liddle Perrett Mortgage Calculator
- [Commercial Bridging Finance](https://liddleperrett.com/commercial-bridging-finance/): When timing matters, commercial bridging finance gives you the speed and certainty to move first and sort the longer-term funding later. Whether you’re buying at auction, unlocking cash tied up in assets, refinancing under pressure, or funding works ahead of a refinance or sale, a commercial bridge can help you complete in days, not months.
- [Residential Bridging Finance](https://liddleperrett.com/residential-bridging-finance/): That’s where residential bridging finance comes in. This short-term solution helps you “bridge the gap” between buying your new home and selling your old one, giving you the funds, flexibility, and peace of mind to move on your own terms.
- [CheckmyFile](https://liddleperrett.com/resource-centre/checkmyfile/): With Checkmyfile, you can view information from all major credit reference agencies, ensuring you don’t miss any details that could be crucial to your mortgage approval.
- [Complaints](https://liddleperrett.com/complaints/): We are committed to providing a professional service to all our customers. If you are unhappy then we want to hear about it so we can try to put things right. With this in mind, we have the following complaints procedure in place.
- [Contact Us](https://liddleperrett.com/contact-us/): If you have any queries about your mortgage or protection and would like to contact us to review your current arrangements, or take a look at your options, contact us by email or telephone, or complete the form below.
- [Equity Release](https://liddleperrett.com/equity-release/): If you are aged 55+ and have equity in your home, you may be able to release some of it  in the form of a lifetime mortgage to realise the ambitions you have for later in life.Equity release plans can provide you with a lump sum that is secured against your home. Interest is charged when you borrow money in this way, and will depend on the equity release products that you can access.
- [Mortgage Blog](https://liddleperrett.com/resource-centre/mortgage-blog/): Every mortgage blog that we write is published here. If you have any questions please contact us
- [Media Releases](https://liddleperrett.com/media-releases-mortgage-broker/): We issue media releases providing expert opinion and commentary on the mortgage and housing market . All of our media releases are published here. Contact us 
- [Mortgage Protection Guide](https://liddleperrett.com/mortgage-protection-guide/): Read our Mortgage Protection Guide to find out what you need to consider.
- [Buy to Let Mortgage Guide](https://liddleperrett.com/essential-buy-to-let-mortgage-guide/): Our Buy to let mortgage guide is designed specifically for people who want to invest in property to rent out.
- [Property Insurance](https://liddleperrett.com/property-insurance/): We take no chances to protect your most valuable assets with competitive property insurance from a range of trusted insurers.
- [Medical Insurance](https://liddleperrett.com/medical-insurance/): We take a simple, bespoke approach to private medical insurance. It’s all about you.
- [Mortgage Protection](https://liddleperrett.com/mortgage-protection/): Our approach to mortgage protection is straightforward.We know that your home and your business are valuable to you- and not just because they cost money.During our process to understand your borrowing requirements, our team takes notice of your lifestyle or your business. Contact us 
- [Commercial Mortgages](https://liddleperrett.com/commercial-mortgages/): Are you purchasing commercial property for your business, or need to secure finance for your existing business operations? Commercial mortgages could be a viable option to finance your business objectives.
- [Buy to Let Mortgages](https://liddleperrett.com/buy-to-let-mortgages/): Whether you’re at the beginning of your journey to develop your property portfolioor you’re a seasoned investor, our specialist knowledge in buy to let mortgages meansthat your portfolio can meet your financial ambitions.
- [Rob Kemmenoe Mortgage Broker Liddle Perrett](https://liddleperrett.com/rob-kemmenoe-mortgage-broker-liddle-perrett/): About Rob: Rob works diligently throughout the process with clients to ensure that they achieves the best options for their mortgage and protection needs. He is passionate about client outcomes and satisfaction at the end of a transaction.
- [Jade Topliss Life Insurance Liddle Perrett](https://liddleperrett.com/jade-topliss-life-insurance-liddle-perrett/): About Jade: Jade is passionate about working with clients to build long term relationships. She helps people with important life changing steps- positive or negative. She goes the extra mile to look after clients who need a little extra support. Jade is a motivated character and brings this trait to her work to support clients during their time with Liddle Perrett.
- [Mortgage Broker](https://liddleperrett.com/): You are at the heart of everything that we do. Our ambition is to findthe right mortgage and protection to meet the needs of you,your family, and your business.
- [Residential Mortgage Guide](https://liddleperrett.com/resource-centre/residential-mortgage-guide/): Are you looking for a mortgage? We know that it can be a minefield of information with hundreds of products and options to choose from. We've created our FREE Residential Mortgage Guide to help answer some of your questions.
- [Residential Mortgages](https://liddleperrett.com/residential-mortgages/): Whether you are a first-time buyer, moving home or remortgaging,or even releasing equity from your home for investment, ourresidential mortgages team is ready to support your ambitions.
- [Team](https://liddleperrett.com/team/): Meet the Team
- [David Liddle Director Liddle Perrett](https://liddleperrett.com/david-liddle/): About David: David Liddle has worked in the industry for almost 25 years and is driven by his passion for problem-solving and designing bespoke client solutions. David’s keen eye for detail combined with his lateral thinking offers clients tremendous value when they are seeking solutions to achieve the purchase of their dream home.

## Landing pages
- [Securing Life Insurance and Reducing the Risk of Inheritance Tax](https://liddleperrett.com/life-insurance-and-inheritance-tax/): If your life insurance policy is not written in trust, the payout from the policy is considered part of your estate. This means that if the total value of your estate, including the life insurance payout, exceeds the inheritance tax threshold (currently £325,000 in the UK for the 2023/2024 tax year), the excess amount will be subject to inheritance tax at a rate of 40%.
- [Specialist Remortgaging Team](https://liddleperrett.com/specialist-remortgaging-team/): Remortgaging your home is a valuable financial option available to homeowners with equity in their property.
- [Specialist Buy to Let](https://liddleperrett.com/specialist-buy-to-let/): Whether you’re at the beginning of your journey to develop your property portfolio or you’re a seasoned investor our expert knowledge in specialist buy to let mortgages means that your portfolio can meet your financial ambitions.
- [Download our FREE Mortgage Guide](https://liddleperrett.com/free-mortgage-guide/): Read more in our FREE residential mortgage guide.
- [Secure your Fixed Rate Mortgage Today](https://liddleperrett.com/your-fixed-rate-mortgage/): On Thursday 16th June the Bank of England raised interest rates to 1.25%. That's the highest the Bank of England base rate has been for 13 years, and has been raised from 1% to tackle the rising cost of living and inflation. People are already seeing bills rising, along with higher mortgage payments and rising interest on other debts. But there is a solution which means that you can manage your mortgage repayments. A fixed rate mortgage means that you make the same mortgage repayment