Insights

Renting has its moments. No boiler to worry about, no roof tiles to replace, and a landlord (hopefully) just a phone call away. But after a while, it’s natural to start asking: am I just paying off someone else’s mortgage? If you’ve been thinking about buying your first home but feel overwhelmed by the process, the costs, or even just the jargon, welcome to our insights. You’re in exactly the right place. At Delta Mortgages, we’ve helped countless first-time buyers go from “h

If you’re starting to think seriously about buying a home, you’ve probably come across the term Mortgage in Principle. Sometimes it’s called an Agreement in Principle or a Decision in Principle – but don’t worry, they all mean the same thing. So, what actually is it, how does it work, and why does it matter when you’re buying your first home or moving to your next one? What Is a Mortgage in Principle? A Mortgage in Principle is a statement from a lender confirming, based on w

Thinking about buying a house or a flat? You might have seen some headlines about possible changes to Stamp Duty Land Tax (SDLT) in the Autumn Budget 2025 (currently scheduled for 26 November). And if those rumours are making you wonder whether to press pause on your house hunt, you're not alone. If you’re based on the south coast — whether you’re house hunting with a mortgage broker in Brighton, or moving further along to Dorset or Hampshire — Stamp Duty will play a role in

Ever found yourself scrolling through Rightmove, picturing the housewarming party before you’ve even booked a viewing? You’re not alone. The dream of owning your own home is a big one—and knowing where to start can feel like the hardest part. When it comes to securing a mortgage , a little preparation goes a very long way. Get it right, and what seems like a mountain now will soon feel like a smooth Sunday stroll (maybe even with a coffee in hand). As a mortgage broker here a