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Buildings insurance is a mandatory requirement for virtually all UK mortgage lenders. This guide covers what lenders require, what buildings insurance covers, how the sum insured is calculated and whether you need additional cover.
16 Jun 2026 · 4 min read
Income protection pays a monthly benefit if illness or injury prevents you from working, enabling mortgage payments to continue. This guide covers how income protection works, the deferred period, benefit level and how it differs from other protection products.
16 Jun 2026 · 4 min read
Critical illness cover pays a lump sum on diagnosis of a serious specified condition, which can be used to repay the mortgage. This guide covers what critical illness insurance covers, how policies differ and how to choose the right cover.
16 Jun 2026 · 4 min read
When a mortgage holder dies, the mortgage obligation passes to the estate or surviving borrower. This guide covers what happens to a mortgage on death, life insurance, probate and lender processes for bereaved families.
16 Jun 2026 · 4 min read
Separation with a joint mortgage creates challenges for getting a new mortgage. This guide covers how lenders assess applications where a joint mortgage from a previous relationship remains, and what to do if you cannot be released from the old mortgage.
16 Jun 2026 · 4 min read
Divorce or separation with a joint mortgage requires decisions about the property. This guide covers the main options: selling, one party buying out the other, and court orders - and how lenders and solicitors handle mortgage changes in divorce.
16 Jun 2026 · 4 min read
A transfer of equity changes the legal ownership of a mortgaged property without a full sale. This guide covers how transfer of equity works, the lender consent process, stamp duty implications and when it is used.
16 Jun 2026 · 4 min read
Removing someone from a mortgage requires the remaining borrower to demonstrate they can afford the full mortgage alone. This guide covers the transfer of equity process for removing a joint owner, lender requirements and the common scenarios where this arises.
16 Jun 2026 · 3 min read
Adding someone to an existing mortgage requires lender consent and a new affordability assessment. This guide covers the process of adding a person to a mortgage, the legal implications and the alternatives.
16 Jun 2026 · 3 min read
Porting a mortgage transfers an existing deal to a new property without triggering an early repayment charge. This guide covers how porting works, what lenders require, what happens if you need a larger loan and the risks of porting.
16 Jun 2026 · 3 min read
Comparing mortgages requires looking beyond the headline interest rate to fees, total cost of credit and product features. This guide covers how to compare UK mortgage deals properly and what to look for in 2026.
16 Jun 2026 · 4 min read
Online mortgage calculators estimate how much you can borrow and what monthly payments would be. This guide explains how UK mortgage calculators work, their limitations and how to interpret the results before speaking to a lender or broker.
16 Jun 2026 · 3 min read
A comprehensive glossary of UK mortgage terms covering everything from AIP to SVR. This guide defines the most important mortgage terms used by lenders, brokers and conveyancers in plain English.
16 Jun 2026 · 5 min read
Sharia-compliant mortgages enable Muslims and others to purchase property without paying interest. This guide covers the sharia principles involved, the main product structures available in the UK and how to compare sharia home finance with conventional mortgages.
16 Jun 2026 · 3 min read
Eco mortgages link lending incentives to a property's environmental credentials. This guide covers what eco mortgages cover in the UK, how they relate to green and energy efficient mortgages, and what lenders are doing to support sustainable home ownership.
16 Jun 2026 · 3 min read
An energy efficient mortgage ties borrowing incentives to a property's energy rating or improvement plans. This guide covers how energy efficient mortgages work in the UK, which lenders offer them and how they relate to government energy policy.
16 Jun 2026 · 3 min read
A part-and-part mortgage splits the loan into a repayment portion and an interest only portion. This guide covers how part-and-part mortgages work, why borrowers use them, lender availability and the repayment vehicle requirement for the interest only element.
16 Jun 2026 · 3 min read
Extending a mortgage term reduces monthly payments but increases total interest paid. This guide covers how to extend a mortgage term, when it makes sense, what lenders require and how term extensions affect the total cost of the mortgage.
16 Jun 2026 · 3 min read
Some flexible mortgages allow underpayments by drawing on previous overpayments. This guide covers how mortgage underpayment works, which products offer this feature, the risks involved and how lenders handle payment shortfalls.
16 Jun 2026 · 3 min read
When a fixed rate deal ends, borrowers must choose between a product transfer with their existing lender or a full remortgage to a new lender. This guide compares the two options on cost, speed, risk and when each makes more sense.
16 Jun 2026 · 3 min read
Self-employed borrowers remortgaging face the same income verification challenges as at purchase. This guide covers the documentation required for a self-employed remortgage, how lenders assess variable income and the difference between product transfer and full remortgage.
16 Jun 2026 · 3 min read
Remortgaging with adverse credit is more challenging than with a clean credit history. This guide covers the options for borrowers whose credit has deteriorated, including product transfers, specialist remortgage lenders and what to do if your existing deal is ending.
16 Jun 2026 · 3 min read
Remortgaging replaces an existing mortgage with a new product, either with the same lender or a different one. This guide covers when to remortgage, the costs involved, how the process works and what to watch for in 2026.
27 Jun 2026 · 3 min read
A holiday home mortgage finances a second property used primarily for personal holidays rather than let to paying guests. This guide covers how lenders assess second home applications, stamp duty implications and how holiday home mortgages differ from buy-to-let.
16 Jun 2026 · 3 min read
A multi-unit freehold block mortgage finances the purchase of an entire residential building containing multiple flats. This guide covers how MUFB mortgages work, lender criteria, valuation methods and how they differ from standard BTL.
16 Jun 2026 · 3 min read
Portfolio landlords with four or more mortgaged properties face stricter lender assessment under PRA rules introduced in 2017. This guide covers how portfolio mortgages work, the additional underwriting requirements and which lenders serve portfolio landlords.
16 Jun 2026 · 3 min read
Getting a mortgage under £50,000 is harder than a standard loan due to lender minimum thresholds. This guide covers which lenders consider sub-£50,000 mortgages, the costs involved and alternatives to consider.
16 Jun 2026 · 3 min read
Small mortgages below £50,000 are harder to arrange than standard loans as many lenders impose minimum thresholds. This guide covers minimum loan sizes, which lenders accept small mortgages and alternatives for low-value property finance.
16 Jun 2026 · 3 min read
Mortgages of £1 million or more require specialist lenders and manual underwriting. This guide covers the income required, LTV available, which lenders operate at this level and the tax considerations on high-value property purchases.
16 Jun 2026 · 3 min read
High value mortgages cover loans typically above £500,000 where standard automated underwriting gives way to specialist assessment. This guide covers how high value mortgage applications work in the UK and which lenders to approach.
16 Jun 2026 · 3 min readGet Kael Tripton in your Google feed
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