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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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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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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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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What is the Right to Buy mortgage scheme?

The 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.

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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.

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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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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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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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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.

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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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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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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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