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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A complete guide to mortgages

Choosing the right mortgage will help you buy a home and could save you thousands of pounds. Here is everything you need to know to find the right one for you.

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What does negative equity mean for me?

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

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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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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

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How do buy to let mortgages work?

If you want to invest in property and rent it out to someone else, you will need a buy to let mortgage. Here is everything you need to know about them.

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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.

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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.

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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.

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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.

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Can you afford a mortgage?

Before you buy a home, check whether you can afford the cost of a mortgage. Here is how to check if lenders will accept your application and if you can keep up with the repayments.

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11 massive mortgage application mistakes you need to avoid

You've saved a deposit, found the perfect house, and now need a mortgage: what could go wrong? Don't make these 11 mistakes that could ruin your plans.

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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.

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