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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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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How to get your first mortgage

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

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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 a no deposit mortgage. There are several schemes and mortgages that can help, whether you are saving for your first home or have owned one before.

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The 7 ways to save up for a deposit?

7 ways to save up a mortgage deposit

With the cost of renting almost as high as paying a mortgage, it can be an uphill struggle to save a deposit. Here is how to save a deposit to get a foot on the property ladder instead.

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Coronavirus: Getting a mortgage payment holiday

Try our handy tool to help you understand if a mortgage payment holiday is the right option for you and what impact it might have on your future payments.

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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.

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What is a guarantor mortgage?

If you are unable to buy the home you want with a normal mortgage, a guarantor could help you get accepted or borrow more. Here is how they work and how to get one.

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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.

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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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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 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.

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