Mortgages - Guide Index

Relationship break-down is stressful and having a joint mortgage can make things more complicated. Our guide covers how a joint mortgage paid by one person works, while also showing you your rights.

Getting a mortgage offer is a big step on the way to buying a home. Here’s everything you need to know about the mortgage-offer process.

If you’re in search of a new mortgage, fee-free, independent advice can be worth its weight in gold. Find out what to expect from free mortgage advice before you start.

Mortgage rates help determine how much you’ll pay back in total when you take out a mortgage. Our guide explains how they work.

All you need to know about remortgage costs and fees and other things to consider when you switch home loan deal

What will rising interest rates mean for your mortgage and how can you protect yourself from increased costs? Our guide explains how interest rates work and what it means for you

When it comes to buying your first home, it can feel tricky knowing where to start. Our guide for first-time buyers explains how to save for a deposit and work out what you can borrow. Read on to learn more.

Thinking of buying a new home? Our guide explains everything you need to know about how to get a mortgage in principle, including when you might need one and how it might help your property purchase.

Discover if you qualify for a self-employed mortgage with the MoneySuperMarket myth-busting guide.

You can remortgage to a new deal or lender at any time – but you need to consider interest rates and any fees you'll pay to switch

Stamp duty is what you pay if you purchase property above a certain value in England and Northern Ireland – but rules are slightly different in Scotland and Wales. Here we take a look at the new stamp duty tiers announced in September 2022 and how much you'll now have to pay when buying a property.

A gifted deposit from family can be a great help when you’re buying your first home. But how do they work and what are the legal and tax implications?

Help to Buy (England) is a government scheme designed to give first-timer buyers a helping hand. Here’s all the information you need

Most of us can’t buy a home without taking out a mortgage, but while they help us step onto the property ladder, there are also a few potential downsides to consider

What happens to your existing mortgage when you move house? Can you take it with you, or should you look for a cheaper deal? Our guide explains the options

Paying off your mortgage early can be costly. Learn more about early repayment penalties and how to avoid them

Overpaying on your mortgage can have big benefits, read our guide to find out more

When it comes to taking out a mortgage the loan to value ratio is all-important and affects the interest rate you can get

You can often save money by remortgaging to a new mortgage deal. Find out more about how to remortgage with our handy guide

Find out how the latest government announcements relating to coronavirus are affecting the mortgage market – whether you are buying, moving, remortgaging or struggling to make payments

Confused by all the different types of mortgages available? This short guide explains the different kinds of mortgage rates to help you make the right choice

Being able to borrow against the value of your home can help see you through retirement – see if a later life mortgage is right for you

Switching mortgage lenders is also known as remortgaging, and it's quite a simple process

Most homeowners know that they want to avoid being in negative equity, but what does it really mean – and if you find yourself in a tricky situation, what steps can you take to get out of it?

You can take out a mortgage through a mortgage broker or directly from a bank or building society. Either way, the aim is to find the cheapest mortgage for your needs

Don’t let misconceptions about remortgaging put you off – switching to a new deal can be quick and easy, and could save you thousands of pounds

When buying a new home most of us take out a mortgage that allows us to borrow enough money to make the purchase

If you’re a homeowner, you may be able to borrow more money via a second mortgage, also known as a second charge mortgage

Being part of a property chain can delay your plans to buy or sell a house. Here are our top tips for keeping it – and you – moving

When looking to buy or sell a home, the first thing to understand is how much the property is worth. Thankfully, there are plenty of free online tools that can help

Find out all you need to know about how to move your current mortgage with you to your new home

Also known as a ‘reverse mortgage’, a home reversion plan involves selling your home to a private company in return for a lump sum or a regular income

A lifetime mortgage is a mortgage taken out on a property that does not have to be repaid until the borrower dies or has to go into long-term care

Mortgage affordability is a tricky subject, especially after the 2014 Mortgage Market Review (MMR)

If you’re thinking about getting a mortgage with someone else, you might want to consider tenants in common. Find out all you need to know here

‘Subprime mortgage’ is a term that is used to describe a mortgage offered to a borrower with a poor credit history

A capped mortgage can help to give you peace of mind that your monthly mortgage repayments will never go above a certain amount

A discounted variable mortgage is fixed at a set percentage below a lender’s standard variable rate, but the amount you pay each month could change

Joint tenancy is a type of ownership where two or more tenants have joint and equal rights to a property. Find out all you need to know here

When you take out a mortgage, you may also have to pay an arrangement fee, valuation fee, booking charge and legal expenses, to name but a few

You might think ‘APRC’ is just a rugby club you’ve never heard of before, but it is in fact a new way of showing the overall cost of your mortgage

A poor credit rating can be a major barrier to getting a mortgage, but the good news is, there are lenders who are prepared to help those whose applications may be refused elsewhere.

If you're planning to build your own home, a conventional mortgage won't be right for you. Instead, you'll need to apply for a specialist self-build mortgage. Please be aware MoneySuperMarket does not offer self-build mortgages.

Brexit is expected to touch on many areas of the UK’s economy. This includes the state of the UK’s housing market – here’s what could possibly unfold in the coming months

An offset mortgage links your savings to the amount you owe on your mortgage – which could reduce how much interest you pay