Mortgages

Guidance on mortgage types, applications, and property financing decisions for various situations. Topics include first-time buying, remortgaging, equity release, and self-employed applications.

An End to the Buy-to-let Era?

Falling house prices and tight lending are putting pressure on the buy-to-let market that dominated UK property for two decades.

Buying Property Overseas

Buying property abroad is possible but requires careful planning around mortgages, costs and timescales that vary by country.

Endowment Policies Explained

Endowment policies combined life insurance with investment, but many fell short of repaying mortgages as promised.

Getting a Mortgage When You're Self-Employed

Self-employed people can get mortgages, but lenders typically want three years of accounts and may offer less if your earnings look low on paper.

Is Equity Release a Good Idea?

Weigh up whether tapping into your home's value through equity release makes financial sense for your retirement.

Mortgage Types Explained

See what different mortgage types work best for your situation and how repayment and interest-only options compare.

Negative Equity: Should You Be Concerned?

Negative equity happens when your mortgage is worth more than your home, and it hits hardest if you borrowed heavily to buy.

The Mortgage Fears Facing All of Us

Rising interest rates and falling home values are pushing millions of UK mortgage holders toward negative equity and financial strain.

What Is 'Zopa' and How Does It Work?

Zopa is a peer-to-peer lending platform that connects borrowers and savers directly, cutting out banks to offer better interest rates.

What You Should Know as a First Time Buyer

First-time home buyers need to know about mortgage affordability checks, deposit requirements, and hidden costs that add up quickly.

When Should You Remortgage?

Know when to remortgage: understand your mortgage terms, early exit penalties, and whether a new deal will actually save you money.