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
Remortgage
Your guide to remortgaging
Remortgage Q&A
We run through some of the most frequently asked questions about remortgaging.
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
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