Insights & Advice
Expert mortgage tips, market updates, and guides to help you make informed decisions about your property finance.
Remortgage to release equity: how much could you borrow?
Estimate how much additional borrowing may be possible when remortgaging, with worked examples showing how LTV, affordability, valuation and fees affect the cas
What documents do you need for a Right-to-Buy mortgage?
Prepare your council paperwork, identity and income evidence, bank statements and funding documents for a Right to Buy mortgage application.
Second charge or remortgage: comparing the cost of borrowing more
Compare keeping your existing mortgage and adding a second charge with remortgaging to borrow more, using two hypothetical examples covering repayments, interes
Remortgage costs: fees and what to budget for
Understand the fees involved in remortgaging, when you may need to pay them and how incentives or financed fees change your switching budget.
Can family help you buy your council house?
Family can help fund a Right to Buy purchase, but giving money, joining the application, becoming a mortgage borrower and sharing ownership involve separate che
Can you remortgage if you’re self-employed?
Self-employed and your mortgage deal is ending? Understand switching lenders, product transfers and the income evidence you may need.
Product transfer or remortgage: how to compare your options
Compare staying with your current mortgage lender and moving elsewhere, including eligibility, fees, remaining debt and flexibility.
How long does it take to remortgage?
A practical guide to remortgage application timescales, from initialchecks to legal work and completion, including common delays and how to keep the switch movi
Can you remortgage with adverse credit?
Explore your remortgage options after credit problems, including current-lender switches, new-lender checks, equity, costs and support if you’re behind on payme
How early can you remortgage before your deal ends?
Find out when to start remortgaging, how mortgage offer windows work, and how to plan around early repayment charges and changing rates.
Fixed and tracker mortgages: which should you choose?
Compare fixed and tracker mortgages, including monthly payments, fees, early repayment charges and flexibility, to understand which suits you.
Right to Buy discount: how much can you get in 2026?
Find out how your Right to Buy discount is calculated in England, why regional caps matter, and how the discount affects your purchase price and mortgage.
Your First Home scheme: what we know so far
Your First Home is a proposed equity loan scheme for first-time buyers in England. See the expected deposit, eligibility and launch details.
Buy-to-let remortgage: how it works and when to switch
Learn how a buy-to-let remortgage works, when to review your deal and how rent, valuation, fees and lender criteria can affect your options.
What happens to your Help to Buy equity loan after 5 years?
Find out what happens to your Help to Buy equity loan after five years, how year-six interest works, and the options for keeping, repaying or remortgaging it.
Buy-to-let mortgage deposits: LTV, rent and examples
See typical buy-to-let mortgage deposit requirements, worked examples and why some landlords may need to contribute more than 25%.
Can you remortgage with Help to Buy without paying it off?
You may be able to remortgage while keeping your Help to Buy equity loan. Learn how the process differs when staying with your lender or moving to a new one.
Limited company buy-to-let mortgages: How they work
A practical guide to limited company buy-to-let mortgages, covering SPVs, deposits, rental calculations, lender criteria, rates and remortgaging.
Can you release equity from a Right-to-Buy property?
Find out whether you can release equity from a Right-to-Buy property, including how remortgaging and the five-year discount rules can affect borrowing.
Self-employed Right-to-Buy mortgage: what lenders need
Self-employed and using Right to Buy? Learn how lenders assess your income, accounts and trading history, and how your discount can affect the deposit needed.
Does Making Tax Digital affect getting a mortgage?
Using Making Tax Digital? Find out whether MTD changes self-employed mortgage documents, SA302s and how lenders assess you.
What happens when your fixed-rate mortgage ends?
When your fixed-rate mortgage ends, your mortgage continues but your interest rate may change. Learn what happens next and your options.
Can you remortgage to pay off your Help to Buy loan?
Remortgaging can let you repay your Help to Buy loan. Find out how the valuation, redemption, mortgage and legal process works.
What is remortgaging and how does it work?
What is remortgaging and how does it work? Learn why homeowners remortgage, what lenders check, what it can cost and when to start looking.
What is the Right to Buy cost floor rule?
The Right to Buy cost floor rule can reduce your discount. See how it affects your purchase price, deposit and mortgage.
Right to Buy vs Right to Acquire: What’s the difference?
Right to Buy vs Right to Acquire explained simply, including Preserved Right to Buy, discounts, eligibility checks and mortgage options in England.
Can you get a mortgage when self-employed?
Learn how income evidence, trading history, deposit and credit history can affect your options for a mortgage when self-employed.
Can you buy your council house?
Learn how Right to Buy works, what affects eligibility, and what else you need to buy your council house.
What is Right to Buy and how does it work?
Understand what Right to Buy is, how the discount works, when a mortgage may be needed and what council tenants should check first.
Can your Right to Buy discount be used as a deposit?
Some lenders may accept your Right to Buy discount as a deposit. Learn when a cash deposit may still be needed and what lenders usually check.
Do self-employed people need a bigger mortgage deposit?
Worried about your self-employed mortgage deposit? Learn when a bigger mortgage deposit can help, when it may not, and how lenders assess risk.
Limited company director mortgage: Income guide
Limited company director mortgage guide covering salary, dividends, retained profit, documents and how lenders assess director income.
How much can you borrow for a self-employed mortgage?
Self-employed mortgage affordability depends on income, deposit, debts and lender criteria. Learn what affects how much you may be able to borrow.
Can you get a mortgage with one year’s accounts?
Find out when a mortgage with one year’s accounts may be possible, what lenders look for, and when waiting could improve your chances.
How do mortgage lenders calculate self-employed income?
Learn how lenders calculate self-employed income for mortgages, including sole trader profit, salary, dividends, contractor income and affordability.
What is an SA302 for a mortgage?
What is an SA302 for a mortgage? Learn why lenders ask for it, how it differs from a tax year overview and what self-employed applicants need.
Self-employed mortgage documents: What you’ll need
Find out which self-employed mortgage documents lenders may ask for, including SA302s, accounts, bank statements and proof of deposit.
First-time buyer questions to ask your mortgage advisor
Prepare for your first mortgage appointment with key first-time buyer questions about borrowing, deposits, rates and application steps.
How to improve your credit score before a mortgage
Improve your credit score before applying for your first mortgage. Practical tips, timelines, and what actually makes a difference to lenders.
What credit score do you need for a mortgage in the UK?
Find out what credit score you need for a mortgage in the UK, why there’s no fixed minimum, how lenders assess your credit history, and what to do if your score
Gifted deposits for first-time buyers: how they work and what to expect
A clear guide to gifted deposits for first-time buyers in the UK, including rules, who can gift, and what lenders require.
What is a mortgage Agreement in Principle (AIP)?
What is a mortgage Agreement in Principle? Learn how an AIP works, how long it lasts, credit-check impact and what happens before a mortgage offer.
How much deposit do I need for a mortgage in the UK?
Find out how much deposit you need for a mortgage in the UK, from 5% to 20%, and how it affects your rates and monthly payments.