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

Advantages and disadvantages of mortgages

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

Benefits of mortgage advice

Expert advice can help you find the right type of mortgage for your circumstances

Buy to let mortgages

If you’re a would-be private landlord, you’ll need to get to grips with buy-to-let loans

Compare self build mortgages

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

Credit ratings

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

Different types of mortgages

How to decide which is the right type of mortgage when you’re buying your home

Equity release

If you’re over 55 you might be thinking about how you are going to fund your retirement.

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

Fixed rate mortgages

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

Halal mortgages

A halal ‘mortgage’ 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

Home reversion

A home reversion plan involves selling your home to a private company in return for a lump sum, a regular income or a combination of both.

How does interest on mortgages work?

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

Interest-only mortgages

What is an interest-only mortgage?

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.

Low fee mortgages

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

Mortgage brokers

A mortgage broker is a specialist advisor whose job is to search the mortgage market and find you the best deal.

Mortgage charges explained

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

Mortgage glossary

Explaining the jargon and technical terms that often surround mortgages

Mortgage overpayments

Mortgage overpayments explained

Offset mortgages

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

Remortgage guide

A look at the reasons why you might consider remortgaging onto a new loan

Self-employed mortgages

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

Subprime mortgages

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

The Mortgage Deposit Deficit

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

Tracker mortgages

With a tracker, your mortgage rate will change along with the Bank of England Base Rate.

What is a buy-to-let mortgage?

A look at the reasons why you might consider remortgaging onto a new loan

What is an offset mortgage?

If you’re wondering how offset mortgages work, look no further

What mortgage can I afford?

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