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?

Bank of England base rate

The Bank of England base rate influences all loan and mortgage interest rates in the UK. When the BoE increases or decreases the bank rate, interest rates usually follow. The current base rate is 1.75%

Read More

Stamp duty calculator

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.

Read More

HMO mortgages

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.

Read More

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.

Read More

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.

Read More

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.

Read More

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.

Read More

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.

Read More

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.

Read More

Joint-borrower-sole-proprietor mortgage

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.

Read More

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.

Read More

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.

Read More

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.

Read More

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?

Read More

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.

Read More

Holiday let mortgages

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

Read More

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.

Read More

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.

Read More

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.

Read More

Inheritance tax: the basics

Inheritance tax is paid on any assets you leave to family or friends when you die, we explain what you need to know and how to avoid it altogether.

Read More

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.

Read More

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.

Read More

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.

Read More

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.

Read More

What is the Right to Buy mortgage scheme?

The Right to Buy mortgage scheme offers council tenants in England up to £84,200 (or £112,300 in London) off the market price of their council home. Here is what you need to know about the scheme.

Read More

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.

Read More

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

Read More

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.

Read More

What is a bridging loan?

A bridging loan could help you buy a property while you wait for the sale of your existing home.

Read More

Should I use my savings to pay off my mortgage?

We weigh the pros and cons of using your savings to clear your mortgage.

Read More

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.

Read More

What is interest?

Borrowing costs money. A lender will usually charge a borrower a percentage of the money lent, rather than a flat fee. This is called interest. This guide covers the basics of how interest works, what it is and what it means for your finances.

Read More

Empty homes

Around the world, there are millions of homes lying unoccupied, while many remain homeless. But which countries have the biggest share of these vacant homes?

Read More

The ethnicity gap in home ownership

Many of the inequalities that affect home ownership are widely reported and debated, yet one lesser-known, stark disparity is persistent: the home ownership gap between different ethnic groups.

Read More

How to access and pay for housing as a refugee

Refugees are able to apply for help with housing in the UK, from money to pay for rent or a deposit to a place to stay. Here we explain the kind of support available, who can apply, how much can be paid, and where to go for it.

Read More

What you need to know before getting a buy-to-let mortgage

Getting a buy-to-let mortgage can help you purchase your first rental property or expand your portfolio further. Read more to find out the key requirements for lending before you apply.

Read More

The cheapest and most expensive houses sold near you

New figures from the Office for National Statistics have revealed the postcodes with the cheapest and most expensive homes in England and Wales, with values ranging from just £25,000 to £5.8million depending on where you are in the country.

Read More

Bank of England holds interest rates at 0.1% in March 2021

The Bank of England base rate has again been held at the all time low of 0.1% for March, as confirmed by the Monetary Policy Committee (MPC) on Thursday.

Read More

How the 2021 Budget affects homeowners

Here's a summary of the key changes that will affect homeowners following the 2021 Budget.

Read More

Explained: the government’s 95% LTV mortgage guarantee scheme

Following the 2021 Budget, we take a look at the government's new 95% mortgage guarantee scheme - what it is, and what it means for you.

Read More

What the new stamp duty holiday means for you

The chancellor has extended the temporary changes to stamp duty to help cut costs for anyone buying a home during the COVID-19 pandemic. Here's what it means for you.

Read More

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.

Read More

Trends to watch out for in the property market in 2021

As COVID-19 continues to shape the way we buy and sell property, has outlined what to watch out for in the property market over the coming year.

Read More

Home ownership: joint tenants or tenants in common?

This guide offers a detailed overview of different home ownership options and explains why your choice matters.

Read More

What is a commercial mortgage?

Commercial mortgages are used to buy non-residential property and they are different to the mortgage you would use to buy your own home to live in.

Read More

First time buyer mortgage rates

This guide explains why the size of your deposit matters and the sort of mortgage rates first-time buyers can expect to get.

Read More

80% buy to let mortgage

If you want to invest in a property to rent out you will need a buy to let mortgage, unless you have enough money to buy it outright.

Read More

Residential mortgages

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.

Read More

What does negative equity mean for me?

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

Read More

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.

Read More

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.

Read More

What type of mortgage is right for you?

Here is how to choose a mortgage whether you are buying your first home, moving house or remortgaging to get a better deal on your property.

Read More

Leasehold vs freehold: Which should you get?

If you’re looking to buy a property in England or Wales, you’ll notice that they’re either listed as leasehold or freehold. But what’s the difference? We’re here to explain the terms, and share what they might mean for you as a property owner.

Read More

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.

Read More

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.

Read More

Should you get a limited company buy to let mortgage?

As a landlord, you could invest in buy to let (BTL) properties through a limited company instead of in your own name. Here's how to find out if this could help you save money and pay less tax.

Read More

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.

Read More

A complete guide to buying a home

The process of buying a house can take months, but knowing what to do and where to get help could make it quicker and easier. Here is what to do when you buy a home.

Read More

Is now a terrible time to buy a house?

Picking the right time to buy your first home helps you check it's affordable and get a good deal. But is now a good time to buy or are you better off waiting?

Read More

How to save up a mortgage deposit

Saving a mortgage deposit is your first step towards buying your own home. Here is how deposits work, how to save one and what help you can get.

Read More

What is equity release?

Find out what is involved in releasing equity from your home, how you can do it, and if it is a step worth taking.

Read More

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.

Read More

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.

Read More

Should I buy a house with friends?

Buying a house is still out of reach for many first time buyers. Sharing the costs with friends or family can seem like a good idea, but what do you need to know before you take the plunge?

Read More

Negative equity but need to sell: Your options

Being stuck in negative equity when you need to sell your home puts you in a difficult situation - but there are ways to get around the problem. We explain your options.

Read More

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.

Read More

How to manage your mortgage

Keeping track of your mortgage can help you keep up with repayments, save money in fees, get you the best deal and run it smoothly. Here is how to manage your mortgage account.

Read More

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.

Read More

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.

Read More

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.

Read More