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Our guides show you the best ways to make your money go further and work harder. They contain all the latest financial information and are set out clearly to help you make smart decisions.

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Tools & Calculators

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Should I use my savings to pay off my mortgage?

We weigh the pros and cons of using your savings to clear your mortgage.

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How do offset mortgages work?

An offset mortgage is linked to your savings account and could save you money on interest. Here is how they work, who they suit and how much you could save.

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Should I overpay on my mortgage?

If you have extra money to spare, you could make overpayments on your mortgage. This can reduce the amount you pay and shorten your mortgage term, but is it right for you?

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How does Help to Buy work?

The Help to Buy scheme could make it easier for you to get your first home with help from the government. Here is how it works and how to use it.

Young family discussing mortgage with adviser using laptop

Mortgage broker or direct deal

Here are all the advantages and disadvantages of using a mortgage broker vs applying for your mortgage direct. This will help you decide on the best way to find a mortgage.

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How to switch your mortgage deal mid-term

Would you switch your mortgage mid-term if you could save money? Here is what you need to know before you decide.

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How to apply for a mortgage in principle

To be sure that you can borrow the amount of money you're likely to need to buy a property, you can apply for a mortgage in principle. We look at what you need to be prepared for to get your agreement in principle right first time.

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Can I get a mortgage if I'm self employed?

Yes, you could still find a mortgage if you are self-employed, but there are some boxes you need to tick first. Here is what you need to know about getting a self-employed mortgage.

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Can you get a mortgage with bad credit?

You could still get a mortgage even if you have bad credit and have missed payments before if you know where to look. Here is how to get a bad credit mortgage.

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How to take a mortgage payment holiday

Recent research suggests that more than 2 million UK home owners are considering taking mortgage payment holidays. But what is a mortgage payment holiday, how do you take one and what are the potential pitfalls? We explain all you need to know.

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Should you get a long or short term mortgage?

When you get a mortgage you have to decide how long you need to pay it all off. Here is how to work out which is cheapest and how to make sure you can afford the term you choose.

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Bank of England base rate

The Bank of England base rate influences all loan and mortgage interest rates in the UK. When the BoE increases or decreases the bank rate, interest rates usually follow.