Mortgage Guides By money.co.uk

Mortgage 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.

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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 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.

How to get a mortgage with no deposit

Here is how to get on the property ladder as soon as possible with a 100% LTV mortgage, or how to get started if you have no deposit. There are several schemes and mortgages that can help, whether you are saving for your first home or have owned one before.

What is the new Right to Buy scheme?

A revamped Right to Buy scheme offers council tenants in England up to £77,900 (or £103,900 in London) off the market price of their council home. Here is what you need to know about the scheme.

How to avoid first time buyer regrets

A staggering 10% of first time buyers regret buying their first home, but you don't have to make sacrifices you'll regret or break the bank to get your foot on the property ladder.

What insurance do you need with your mortgage?

Your mortgage is likely to be the biggest expense you will face in life, but what happens if you can no longer pay it? Here are the types of insurance that can help you pay your mortgage.

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.

Should you rent or buy a home?

Buying your own home can be expensive but could save you money over the years. Renting offers less freedom to live by your own rules but more flexibility if you need to move. Here are the benefits of each and how to decide whether to rent or buy.

Can you still get self certification mortgages?

Self certification mortgages have been banned in the UK but can still be offered by lenders based in Europe. Here is why they were banned and why you should be careful if you decide to use an overseas lender.

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How to get a remortgage

Getting a new mortgage deal could cut the interest you pay and save thousands of pounds. Here is how to remortgage to a better deal, avoid fees and reduce what you pay each month.

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.

Why you can't trust your bank for mortgage advice

You're ready to buy a house and need a mortgage next. It's just a case of popping into your bank and seeing what they've got, right? Here's why that's a bad idea.