Mortgage
How to Pay Off Your UK Mortgage Faster: Overpayment Rules and Savings
Learn how mortgage overpayments work in the UK, including allowance limits, early repayment charges, and how much you could save by paying extra each month.
Alice Morgan
Author
Writes about UK mortgages: remortgaging, first-time buyer schemes, and Help to Buy equity loans, explaining how Bank of England base-rate decisions flow through to tracker and fixed deals.
- mortgage
- remortgage
- first-time-buyer
- home-buying
Published articles
Mortgage
How to Improve Your Credit Score Before a UK Mortgage Application
A practical checklist to help you strengthen your credit file and boost your chances of mortgage approval in the UK.
Mortgage
Comparing Mortgage Deals in the UK: Which Product Saves More Over the Term?
Learn how to compare two UK mortgage deals side by side to find which product costs less over the full term, accounting for rates, fees, and repayment structures.
Mortgage
Mortgage Broker or Direct Lender: Decision Checklist for the UK
A practical checklist to help you decide whether to use an FCA-authorised mortgage broker or apply directly to a UK lender.
Mortgage
Interest-Only Versus Repayment Mortgages in the UK: Which Is Right for Your Situation
Understand the fundamental difference between interest-only and repayment mortgages, how each works, and which structure might suit your financial circumstances.
Mortgage
Fixed Rate vs Tracker Mortgage in the UK: Which Is Better Right Now?
Choosing between a fixed rate and tracker mortgage depends on your risk tolerance and rate forecasts. Here's how to decide which suits your circumstances in today's market.
Mortgage
How Much Can You Borrow for a UK Mortgage: Affordability Explained
UK lenders typically offer 4 to 4.5 times your annual income, but your actual borrowing limit depends on a detailed affordability assessment of income, outgoings, and financial commitments.
Mortgage
How the Mortgage Guarantee Scheme Works for UK Buyers with Small Deposits
Understand how the UK government's Mortgage Guarantee Scheme helps buyers purchase a home with just a 5% deposit and use our calculator to check your affordability.
Mortgage
Stamp Duty Land Tax Explained for UK Buyers in 2026
Understand SDLT, the property purchase tax in England and Northern Ireland, including current rates, first-time buyer relief, and who must pay.
Mortgage
How Debt-to-Income and Affordability Checks Work for UK Mortgages
Learn how UK lenders assess your income, debts, and living costs to decide if you can afford a mortgage, and what you can do to improve your chances.
Mortgage
How Bank of England Base Rate Decisions Affect UK Mortgage Rates: A Comparison
Compare how tracker, fixed-rate, and SVR mortgages respond differently to Bank of England base rate changes and which type suits different rate outlooks.
Mortgage
How Help to Buy and Shared Ownership Schemes Work in the UK
Understand how shared ownership and Help to Buy schemes help first-time buyers in the UK get on the property ladder with lower deposits.
Mortgage
A First-Time Buyer's Guide to Getting a Mortgage in the UK
Learn the essential steps to secure your first mortgage in the UK, from checking affordability to completion.
Mortgage
When to Remortgage in the UK and How to Secure the Best Rate
Compare your remortgage options, learn the best time to switch deals, and discover how to secure competitive rates when your fixed term ends.
Mortgage
How Help to Buy and Shared Ownership Schemes Work in the UK
Government-backed schemes help UK buyers get on the property ladder with smaller deposits through shared ownership and equity loan programmes.
Mortgage
First-Time Buyers and Rising Mortgage Rates in the UK: What It Means for House Prices
Rising mortgage rates hit first-time buyers hardest, reducing affordability and slowing the market, but widespread house price falls and collapsing chains remain unlikely in most UK regions.
Mortgage
UK House Prices and First-Time Buyers in 2026: What the Forecasts Say
Market analysts predict first-time buyers will drive UK property sales in 2026 as interest rate cuts improve mortgage affordability.
Mortgage
Bank of England Holds Interest Rates at 3.75% Again: What It Means for Your Mortgage and Savings in the UK
The Bank of England has kept the base rate at 3.75% for a second consecutive meeting. Here's what this means for your mortgage payments and savings returns.
Mortgage
What Mortgage Interest Rates Are Available for First-Time Buyers in the UK
First-time buyers in the UK can access fixed-rate, tracker, and discount mortgages with rates that vary by deposit size, deal length, and lender.
Mortgage
What Falling House Prices Mean for Your Mortgage in the UK
Falling house prices do not usually change your current mortgage payment, but they can affect your equity, loan-to-value and remortgage choices.
Mortgage
Can't Remortgage Due to Affordability in the UK? What to Do Next
If affordability checks stop you remortgaging, you may still have options with your current lender or through a specialist adviser. Start by finding the exact reason for the decline before applying again.
Mortgage
Time to Remortgage in the UK? How to Get the Best Deal, Even if It Costs More
Remortgaging can still be worthwhile when rates have risen, but the best deal is not always the lowest headline rate. Compare total costs, timing, fees, ERCs, LTV bands, and whether a product transfer is enough.
Mortgage
Buy-to-Let Remortgage Rate Cuts in the UK: What Landlords Should Check
Some UK buy-to-let lenders are improving remortgage pricing, but the lowest headline rate is not always the cheapest deal. Landlords should compare fees, rental cover, early repayment charges, and product transfer options before switching.
Mortgage
Mortgage Rates Dropped This Week in the UK as Geopolitical Tensions Eased
UK mortgage rates fell this week following positive developments in international diplomacy, offering potential savings for homebuyers and those remortgaging.