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Mortgages Guides, Tips & Types Of Mortgages

Mortgages guides

Mortgages can be complex. Our guides break down the intricacies of every vital mortgage topic including; deposits, guarantors, fixed or tracker and the lending available to first-time buyers. What type of mortgage are you looking for?

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Bank of England Base Rate 2025 - Latest Updates

The Bank of England base rate influences interest rates in the UK, which can impact mortgage and savings rates. The current base rate is 4.25%.

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How To Find A Mortgage Broker You Can Trust

Taking out a mortgage will be one of the biggest financial commitments you'll ever make, so finding a mortgage broker that understands your needs is essential. We explain how to find a mortgage broker you can trust.

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A Complete Guide To Mortgages In 2025

Learn everything you need to know about mortgages in the UK - from what a mortgage is and how it works, to how to get a mortgage loan and secure your first home.

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How To Get A Mortgage With No Deposit | money.co.uk

Looking for a no deposit mortgage? Learn how to buy a home without a deposit using 100% mortgages, guarantor support, and first-time buyer schemes

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Stamp Duty Calculator - Latest 2025 Rates & Bands

Discover how much Stamp Duty you need to pay on your chosen property whether you're in England, Scotland, Wales or Northern Ireland. We give you the current Stamp Duty rates fand explain how to pay your tax if you need to do it yourself.

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Should You Rent Or Buy A Home?

With average house prices and rents both rising, choosing between buying and renting can be a challenge. Renting can offer flexibility but often costs more, while buying your own home is a long-term commitment. Find out which is the best, most affordable option for you.

How Much Does It Cost To Buy A Home?

Your home could be the most expensive purchase you ever make. Here is how much you might spend and how to make sure you can afford a mortgage and all of the other costs.

Will I Ever Be Able To Afford A House?

You might be ready to buy your first home sooner than you think, but if you need a leg up onto the property ladder there are lots of ways you can find help. Here is how to get started before you buy and how to check you can afford it. 6

Compare Our TOP Joint Borrower Sole Proprieter Mortgages (JBSP)

If you’re struggling to get onto the property ladder, we look at one way to make getting a mortgage easier without some of the drawbacks of buying jointly.

How To Get A Mortgage In Principle

Find out how to get a mortgage in principle and improve your chances of approval the first time, so you know how much you can borrow for your home.

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Compare Our TOP Holiday Let Mortgage Deals

We look at the type of mortgage you’ll need if you want to buy a holiday home to let, including the costs involved and how to find the best deal

Compare Our TOP HMO Mortgage Deals

If you want to buy a property to let to individual tenants you’ll need a specialist mortgage. We explain what you need to know about HMO mortgages.

How To Get A Mortgage If You Are An Older Borrower

Getting a mortgage can be more difficult when you get closer to retirement. Here is how to find one whether you want to move house or remortgage your current home.

How To Get Your First Mortgage

Getting on the property ladder is much easier if you know what help is available, where to find a mortgage and how to apply for a mortgage. Here is everything you need to know about how to get a mortgage and buy your first home.

How Do Joint Mortgages Work?

You could get a larger mortgage if you buy a home with someone else. Here is everything you need to know about joint mortgages whether you want to buy with your partner, another person or a group.

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Should You Get An Interest Only Or Repayment Mortgage?

The two main ways to pay off your mortgage balance are interest only and repayment. Here is how to work out which best suits your finances.

How To Interview Your Mortgage Broker

We explain how to make sure your broker is both qualified and capable of finding you the best deal before they start your search for the perfect mortgage.

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?

What Does Divorce Mean For Your Mortgage?

Getting divorced or splitting up with your partner when you have an outstanding joint mortgage together can be difficult. Here are your options to make it less stressful.

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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Will Changing Jobs Stop You Getting A Mortgage?

Starting a new job could make getting accepted for a mortgage more difficult - even if you'll earn more. Here's why and what you can do about it.

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What Insurance Do You Need When Buying A House?

Your mortgage is likely to be the biggest expense you will face in life, but what happens if you can no longer pay it? Many people ask themselves the question: what insurance do you need for a mortgagein the UK? Here are the types of insurance that can help you pay your mortgage.

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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Compare Our TOP Residential Mortgage Guide

If you’re buying a home we explain how the mortgage you need works, what to be aware of and how to choose the best deal for you.

What Does Negative Equity Mean For Me?

Find out what negative equity means, whether it affects you and what you can do about it.

How To Apply For A Mortgage Payment Holiday

Recent research suggests that more than 2 million UK homeowners 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 Fixed, Tracker Or Variable Rate Mortgage?

Choosing a mortgage with the right type of interest rate can save you money and make sure you get a deal you can afford. Here are the differences between fixed, variable, tracker and capped mortgages.

Should You Risk Being A Guarantor For A Mortgage?

Helping a friend or family member get their foot on the property ladder can be a rewarding and generous undertaking - but fail to weigh up the consequences and you could soon regret your choice. Here's what you need to consider before signing anything.