Mortgages - Guide Index

Our guides to mortgages

Buying your first home, moving up the property ladder, buying property as an investment, releasing some of the cash value in your bricks and mortar… There are many occasions when a mortgage is a central part of financial planning, so here’s our suite of guides on how these loans work

Our top mortgage guides

Related Mortgage guides

How will Brexit affect house prices?

How will house prices be affected when Britain leaves the EU?

95% mortgages

Even those without a big deposit can get on the property ladder.

A guide to remortgage fees

Remortgage fees: Consider the whole cost of a new mortgage deal

A guide to valuing property

How to work out the value of a property online

A step-by-step guide to the conveyancing process

A step-by-step guide to the conveyancing process

Advantages and disadvantages of mortgages

Arm yourself with essential information so you can choose the right type of loan.

Benefits of mortgage advice

Mortgage advice explained

Borrowing more on your mortgage

Your guide to additional borrowing on your mortgage

Brokers vs lenders

Do I need a mortgage broker or a lender?

Buy-to-let mortgages

Your guide to buy-to-let mortgages

Capped Mortgages

What is a capped rate mortgage?

Costs of buying your first home

Costs of buying your first home

Credit ratings

A poor credit rating needn’t be a major barrier to getting a mortgage

Different types of mortgages

How to choose the right type of mortgage

Discounted Variable Rate Mortgages

What is a discounted variable rate mortgage?

Early repayment charges

Mortgage early repayment charges explained

Equity release mortgages

Is equity release right for you?

Explaining APRC - Annual Percentage Rate of Charge

APRC shows you exactly how much you’ll pay over the full term of the mortgage.

First-time buyer mortgages

Are you a first-time buyer? There are mortgages designed specifically for you

First-time buyer schemes in Scotland, Wales & Northern Ireland

First-time buyer schemes in Scotland, Wales & Northern Ireland

Fixed-rate mortgages

If you opt for a fixed-rate mortgage, you lock in the interest rate for a specified term

Gifted deposits

Getting your first mortgage with a gifted deposit

Halal home purchase plans

A halal home purchase plan is a financial product designed to help Muslims purchase property without the need to borrow money

Help to Buy mortgages

Help to Buy is a government scheme designed to help struggling first-time buyers

Help to Buy scheme explained

Help to Buy scheme explained

Home movers

What is a moving home mortgage?

Home reversion

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

How does interest on mortgages work?

When choosing a mortgage, the interest rate you’ll be charged is one of the most important factors.

How property chains work

Everything you need to know about property chains

How to raise a deposit

How to raise a deposit

Insuring your first home

Insuring your first home

Interest-only mortgages

What is an interest-only mortgage?

Joint Tenancy Mortgage

What is a joint tenancy mortgage?

Joint mortgages separation

Here's what can happen to a joint mortgage after a separation.

Lender mortgage schemes for first-time buyers

Lender mortgage schemes for first-time buyers

Lifetime mortgages

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

Looking for your first home

Looking for your first home

Low fee mortgages

Low fee mortgages can be attractive, but they’re not always the best option

Mortgage Calculator

Check the affordability of a mortgage

Mortgage Eligibility

Mortgage Eligibility Guide

Mortgage charges explained

Mortgages often come loaded with a range of costs – here’s what you’ll have to pay

Mortgage overpayments

Mortgage overpayments explained

Mortgages and coronavirus

Coronavirus: what does it mean for your mortgage?

Mortgages for later life

Can I remortgage my home in later life?

Mortgages in principle

Mortgages in principle explained

Negative equity mortgages

Understanding negative equity – and how to get out of it

Offset mortgages

Offset mortgages can work very effectively for those with savings – here’s how

Porting your mortgage explained

Carry your mortgage from one home to another


Your guide to remortgaging


When is the best time to remortgage your home?

Remortgaging myths

Why it pays to remortgage

Remortgaging with the same lender

Should you remortgage with the same lender?

Second charge mortgages

When and how to take out a second charge mortgage

Self-build mortgages

What to look for when trying to find the right self build mortgage

Self-employed mortgages

Can I get a mortgage if I’m self-employed?

Shared equity explained

Shared equity explained

Shared ownership mortgages

Shared ownership mortgages

Stamp duty

What is stamp duty and how much do I pay?

Standard Variable Rate Mortgages

What is a standard variable rate mortgage?

Subprime mortgages

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

Switch Your Mortgage Provider

How to switch your mortgage provider

Tenants in common

All you need to know about tenants in common

The Mortgage Deposit Deficit

Huge deposit requirements mean buying a house locally might be an impossible dream in certain parts of the UK.

Top 10 tips for getting a mortgage

Top 10 tips for getting a mortgage

Tracker mortgages

Read our guide to find out whether a tracker mortgage is the right option for you and your home

What is a guarantor mortgage?

A guarantor mortgage can help you get on the property ladder if you are struggling to find a deposit.

What mortgage can I afford?

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

Your mortgage offer

A guide to mortgage offers