Artificial Intelligence is reshaping how mortgage advice is delivered — but progress isn’t about replacing people with algorithms. It’s about removing the friction that wastes clients’ time. At CiK Finance, we use technology to simplify, not to sell. Real progress means faster processes, clearer communication, and advice that still comes from a human who understands your goals.

A practical guide for landlords to stress-test their buy-to-let plan in 2025. We cover ICR, costs, cash buffers, and portfolio admin — plus the five levers you can actually control. The goal: help you spot risks early and avoid costly mistakes.

Remortgaging doesn’t need guesswork or last-minute stress. This guide shows time-poor directors, contractors and partners how to start 6–9 months early, anchor decisions to life first, compare on total cost (not just the headline rate), design flexibility with overpayments/offset/portability, and package a clear, underwriter-ready file. It also covers transfer vs remortgage, free vs paid legals, and a proportionate protection review. General information, not personal advice.