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Getting a mortgage in 2026 is harder than most people realise — and it’s not always your fault when deals fall apart. Behind the scenes, there are mortgage clauses, stress tests, and lender rules that kill deals quietly, often after months of work. Many brokers avoid talking about them because they complicate the sale — but investors, landlords, and buyers end up paying the price. In this video, we expose the hidden mortgage traps most people only learn about after it’s too late. You’ll discover: Why mortgages get declined after months of progress The stress tests that silently fail deals How “cheap” rates can cost more long term Mortgage clauses that brokers rarely explain Why 5-year fixes aren’t always the safer option they’re sold as This isn’t about blaming brokers — it’s about understanding how the system actually works so you can protect yourself. That’s also why having joined-up property and mortgage advice matters. 👉 winnerproperty.co.uk offers end-to-end property support, including access to mortgage advice that looks beyond headline rates. They help buyers and investors: Structure deals to pass lender stress tests Avoid clauses that kill refinancing or exits Choose mortgage products based on long-term strategy, not just today’s rate Align finance decisions with the actual property plan If you’re tired of nasty surprises, declined offers, and advice that only works on paper — this video is for you. 👉 Watch to the end to understand why the “safe” mortgage choice can be the most expensive mistake. Comment below: Have you ever had a mortgage deal collapse late in the process?