Mortgage
Interest-Only Mortgages: Risks UK Borrowers Need to Understand
Interest-only mortgages can lower monthly payments but carry significant repayment risks. Learn how they work and what UK borrowers must plan for.
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
Green Mortgages in the UK: Better Rates for Energy-Efficient Homes
Green mortgages reward energy-efficient homes with preferential rates and cashback incentives, helping UK borrowers save money while reducing carbon emissions.
Mortgage
New-Build Mortgages in the UK: Valuation Gaps and Premium Costs
New-build properties in the UK often carry a premium over resale homes, and when the surveyor's valuation falls short of the purchase price, buyers face a deposit shortfall that can derail their mortgage.
Mortgage
Early Repayment Charges on a UK Mortgage: How They Are Calculated
Early repayment charges penalise borrowers who overpay or remortgage during the deal period. Learn how UK lenders calculate ERCs and when they apply.
Mortgage
Self-Build Mortgages in the UK: How Staged Borrowing Works
Self-build mortgages release funds in stages as your project progresses. Compare arrears-stage versus advance-stage models and choose the right release schedule for your build.
Mortgage
Down-Valuation on Survey in the UK: What Happens to Your Offer and Deposit
A down-valuation can upend your purchase. Learn what happens when the lender's valuation falls short of your offer and how to protect your deposit.
Mortgage
How to Get a Mortgage with Adverse Credit in the UK
Missed payments do not automatically disqualify you from getting a mortgage in the UK. Specialist adverse credit lenders assess applications individually and may still approve you, though typically at higher rates and with a larger deposit required.
Mortgage
Joint Borrower Sole Proprietor Mortgages in the UK: Buying with Family Support
A joint borrower sole proprietor mortgage lets parents or family help with affordability without owning the property. Here's how it works and when it makes sense.
Mortgage
7 Key Steps to Remortgaging in the UK: When to Switch and How to Get the Best Rate
A practical guide to remortgaging in the UK, including when to switch deals, how to compare rates, and steps to secure the most competitive mortgage for your circumstances.
Mortgage
First-Time Buyer Guide to Getting a Mortgage in the UK
Understand how first-time buyers qualify for a mortgage in the UK, from deposit requirements to government schemes and the application process.
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
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
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 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.