Free Mortgage Guides & Advice
Straightforward answers to your mortgage questions. No jargon, no sign-ups — just honest, free advice written by qualified mortgage advisors.
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Getting Started
First-Time Buyer Guide(February 2026)
Everything you need to know about buying your first home
UK First-Time Buyer Hotspots 2026 (Interactive Map)(June 2026)
Explore the postcodes where your budget goes furthest in 2026
Mortgage Affordability(February 2026)
How much can you borrow and what affects it?
Mortgage Deposit Guide(February 2026)
How much deposit do you need and where to find it
Government Schemes for Homebuyers(March 2026)
Shared Ownership, First Homes, Lifetime ISA and more
Mortgage Jargon Buster(March 2026)
Plain-English explanations of every mortgage term
How Long Does It Take to Get a Mortgage?(March 2026)
Timeline from application to keys
Types of Mortgages
Fixed-Rate Mortgages(February 2026)
Lock in your rate for certainty
Tracker & Variable Rate Mortgages(February 2026)
Rates that move with the market
Interest-Only Mortgages(February 2026)
Lower payments but you need a repayment plan
Offset Mortgages(March 2026)
Use your savings to reduce mortgage interest
Joint Mortgages(February 2026)
Buying with a partner, friend, or family member
Guarantor Mortgages(March 2026)
Using family support to get on the ladder
Specialist Mortgages
Self-Employed Mortgages(February 2026)
Getting a mortgage when you work for yourself
Bad Credit Mortgages(February 2026)
Options if your credit history isn't perfect
Buy-to-Let Mortgages(February 2026)
Investing in rental property
New Build Mortgages(March 2026)
Buying a newly built home
High Net Worth Mortgages(February 2026)
Complex finances and larger loans
Mortgages Over £1 Million(June 2026)
Large-loan & jumbo mortgage guide — HNW, private banks, non-standard income
Mortgages for Professional Footballers(June 2026)
Premier League, Championship & League One — residence, BTL & post-career planning
Key Worker Mortgages(March 2026)
Schemes and deals for public sector workers
Shared Ownership Mortgages(February 2026)
Part-buy, part-rent your home
Right to Buy Mortgages(February 2026)
Buying your council or housing association home
Green Home Mortgages(March 2026)
Better rates for energy-efficient properties
Divorce & Mortgages(March 2026)
Splitting a mortgage after separation
Later Life Mortgages(March 2026)
Mortgage options for older borrowers
Remortgaging
Complete Remortgage Guide(February 2026)
Everything you need to know about switching deals
🎬 Remortgage Guide — Animated Video(May 2026)
Visual scroll-through video walkthrough of remortgaging
Remortgage to Release Equity(March 2026)
Accessing the value in your home
Porting Your Mortgage(February 2026)
Taking your deal to a new property
Equity Release Guide(February 2026)
Options for homeowners aged 55+
Costs & Process
Mortgage Fees Explained(February 2026)
Every fee you might encounter
Stamp Duty Guide(February 2026)
How much you'll pay and when
Mortgage Application Process(February 2026)
Step-by-step walkthrough
Conveyancing Guide(March 2026)
The legal side of buying a property
Property Surveys Guide(March 2026)
Which survey do you need?
Loan-to-Value Explained(March 2026)
What LTV means and why it matters
Mortgage Overpayments(March 2026)
Pay off your mortgage faster
Saving Money
How to Lower Your Mortgage Rate(February 2026)
Strategies to reduce what you pay
Fee-Free Mortgage Advice(February 2026)
Why you should never pay for mortgage advice
Mortgage Broker vs Bank(February 2026)
Why a broker beats going direct
Improve Your Credit Score(March 2026)
Boost your score before applying
Property Buying Tips
Protection & Insurance
Browse All Insurance Guides →
Dedicated insurance & protection guides hub
Life Insurance & Mortgages(February 2026)
Protecting your family and your home
Critical Illness Cover(February 2026)
Financial protection if you become seriously ill
Income Protection Insurance(February 2026)
Replacing your income if you can't work
Market Updates
FCA Proposes Mortgage Rule Reforms (June 2026)
FCA plans to widen mortgage access for the self-employed, older borrowers and those with variable income
Trump Tariff Threat & UK Mortgages (June 2026)
New 10% US tariff proposal on UK imports — what it means for inflation, the base rate and mortgage pricing
Bailey: Rate Hikes Unlikely (May 2026)
BoE governor signals tolerance for above-target inflation at Reykjavik conference
Barclays Cuts Residential Rates (May 2026)
Barclays reduces selected fixed rates by up to 0.20% for purchase and remortgage
Mortgage Rates Fall — First Drop Since Iran War(April 2026)
Moneyfacts: HSBC, Lloyds & Santander cut average fixed rates
Lenders Cut Fixed Rates by Up to 0.36% (May 2026)
Nationwide, NatWest and Virgin Money slash fixed mortgage rates from 12 May
Iran War: Your Money & Bills(April 2026)
How the conflict affects petrol, mortgages, and energy bills
Ceasefire: Will Mortgage Rates Fall?(April 2026)
What the Iran ceasefire means for fixed rates and the base rate
House Prices Fall 0.5% in March 2026(April 2026)
Halifax reports average prices fell to £299,677 in March
BoE Warns 5.2 Million Face Higher Costs (April 2026)
Bank of England warns borrowers could face higher payments by 2028
Oil Crisis 'Much Worse' in April 2026(April 2026)
IEA says April oil losses will double — what it means for mortgages
Middle East Conflict & UK Inflation 2026(March 2026)
Oxford Economics forecasts 0.4pp added to inflation
UK House Prices Hit Record (February 2026)
Halifax reports average prices rose to £301,151
Mortgage Rates Rising (March 2026)
What global events mean for your mortgage
Lenders Raise Rates (March 2026)
Nationwide, Virgin Money and NatWest reprice fixed deals
NatWest Raises Rates (17 March 2026)(March 2026)
NatWest reprices remortgage and purchase deals
Sub-4% Mortgages Dry Up (17 March 2026)(March 2026)
Last sub-4% fixes disappear as lenders reprice
Lenders Pull Deals With Hours' Notice (17 March 2026)(March 2026)
Vida, Foundation and others withdrew entire ranges
Seven New Towns: Mortgage Impact (March 2026)
200,000 new homes announced — what it means for buyers
Making Tax Digital for Landlords (March 2026)
How HMRC's new rules affect buy-to-let landlords
February Home Listings Hit 10-Year High(February 2026)
Record supply and rates below 4% for buyers
Inflation Drops to 3% — Spring Rate Cut?(February 2026)
What falling inflation means for your mortgage
Young Buyers Paying Most for Mortgage Advice(February 2026)
Why fee-free advice matters for first-time buyers
Buy-to-Let Lending Rebounds (Feb 2026)
BTL mortgages up 22.7% as rates ease
UK House Prices Top £300k(February 2026)
Average prices breach £300,000 for the first time
Interest Rate Held at 3.75% (Feb 2026)
MPC votes 5-4 to hold — what's next?
UK Mortgage Rate History(March 2026)
How rates have changed over the decades
Mortgage Guides — FAQs
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