Mortgage Advisor Salary
A mortgage advisor (the UK regulated term is "mortgage adviser", and the practical job is the same as "mortgage broker") helps borrowers find and apply...
How Does Equity Release Work When You Die
Equity release is the umbrella term for a group of products that allow homeowners aged 55 or over to release cash from their home without selling it or...
First Direct Mortgage In Principle
First Direct is the digital and telephone arm of HSBC UK and is consistently among the top-rated UK banks in customer satisfaction surveys.
Equity Release Companies To Avoid
Equity release is a regulated financial product that allows homeowners aged 55 or over (the typical minimum) to release cash from their home without...
Second Charge Mortgage Rates
A second charge mortgage is a regulated loan secured against a property that already has a first charge mortgage in place.
How Does Shared Ownership Work
Shared Ownership is the longest-running affordable home ownership scheme in the UK.
Mortgage Rate Cuts May 2026: Santander, Halifax and Cambridge Move on Selected Deals After Base Rate Hold
Santander cut selected fixed, tracker and product transfer rates by up to 50bps from 11 May 2026, with Halifax following on remortgage products. We explain what changed, what the best buys look like as of 12 May, and how to think about timing your remortgage.
Bank of England Base Rate Tracker: Live UK Interest Rate
The Bank of England base rate is 3.75%, held at the Monetary Policy Committee meeting on 18 June 2026 by a
Bad credit mortgage UK 2026: can you get a mortgage with poor credit and how
UK mortgages with bad credit are available from specialist lenders including Precise Mortgages, Kensington Mortgages and Together. Rates are higher than mainstream
Buy-to-let mortgage UK 2026: how they work, rates, costs and what lenders require
Mortgages TL;DR A buy-to-let (BTL) mortgage is used to purchase a property you intend to rent out rather than
First-time buyer mortgage UK: deposit, schemes and the full process
A first-time buyer guide for the UK in 2026: who qualifies, how much deposit is realistic, the Lifetime ISA bonus, stamp duty relief, government schemes such as Shared Ownership and First Homes, and the buying process from search to keys.
85 Loan to Value Mortgages UK: How LTV Affects Your Rate
Mortgages TL;DR Loan-to-value (LTV) is the mortgage amount expressed as a percentage of the property value. A £150,000
Help to Buy UK 2026: what schemes still exist and what replaced them
Mortgages TL;DR The Help to Buy Equity Loan scheme in England closed to new applicants in October 2022. The Mortgage Guarantee
Fixed vs Variable Mortgage UK 2026: How to Choose Between Rate Certainty and Flexibility
Choosing between a fixed and variable rate mortgage is one of the most consequential decisions for borrowers. This guide compares the two structures on cost, certainty, flexibility and when each is most appropriate in 2026.
UK stamp duty 2026: rates, FTB relief and how to calculate
A plain-English guide to UK stamp duty in 2026-27, covering SDLT in England and Northern Ireland, LBTT in Scotland and LTT in Wales. Worked examples show how tiered bands, first-time buyer relief and the additional property surcharge combine.
UK Mortgage Affordability Calculator 2026 - How Much to Borrow
Calculate how much you can borrow for a UK mortgage based on income, deposit and outgoings. Understand how lenders assess affordability in 2026.
Remortgage UK 2026: when to remortgage, how it works and what it costs
Mortgages TL;DR Remortgaging means switching to a new mortgage deal, either with your existing lender (product transfer) or with a new
Mortgage deposit guide UK 2026: how much you need and how to save faster
FSCS deposit protection increased from £85,000 to £120,000 per person, per authorised institution, from 1 December 2025 (joint accounts: £240,
Joint borrower sole proprietor mortgage UK 2026: how JBSP mortgages work
Mortgages TL;DR A joint borrower sole proprietor (JBSP) mortgage allows a parent or family member to be added to the mortgage
Expat mortgage UK 2026: how to buy UK property when living abroad
Expat Finance TL;DR UK nationals living abroad can apply for an expat mortgage to buy UK residential or buy-to-let
Second Charge Mortgage Calculator UK 2026
A free UK second charge mortgage calculator for monthly payment, total amount payable, and total interest over the term. Capital and interest repayment basis. Excludes lender fees, valuation, legal, and HMLR charges.
Mortgage with Defaults UK 2026
A default does not stop you getting a UK mortgage in 2026, but narrows lender choice and means higher rates. Mainstream typically decline; specialist near-prime and adverse lenders accept on a graded basis depending on age and amount.
Low Rate Secured Loans UK 2026
UK low-rate secured loans are property-secured loans priced at the lowest tier of the lender's product card. Available to borrowers with low combined LTV, clean credit, standard property, and verifiable income. Compare APRC, not headline.
Barrister Mortgage UK 2026
A UK barrister mortgage is tailored to barristers' specific income structure: high gross billings, irregular cash flow, aged debt, complex tax-efficient structures. Specialist UK lenders use gross billings rather than retained profit.
Investment Property Mortgage UK 2026
A UK investment property mortgage is secured against a property purchased to generate rental income or capital appreciation. The most common form is buy-to-let. Most UK investment property lending is unregulated commercial lending.
Mortgage Life Insurance Quotes UK 2026
UK mortgage life insurance quotes are individual premium estimates from life insurers based on age, health, sum assured, term, and policy type. Prices vary 30-50% between insurers for the same case. Like-for-like comparison finds value.
Shared Ownership Mortgage Broker UK 2026
A UK shared ownership mortgage broker is an FCA-authorised intermediary specialising in matching shared ownership buyers to lenders that accept the scheme's specific structure. The mortgage market is narrower than for standard residential.
Second Mortgage Home Improvements UK 2026
A UK second mortgage for home improvements is a second-charge mortgage with proceeds funding building work. Best for borrowers tied into a low fixed-rate first mortgage with high ERCs. This article covers when second charge wins.
Secured Loan Home Improvements UK 2026
A UK secured loan for home improvements funds building work using property as security. Three main routes: remortgage with capital raise, second-charge mortgage, or further advance. Smaller projects under £25,000 may suit unsecured loans.
Private Mortgage Lenders UK 2026
UK private mortgage lenders are non-bank lenders, ranging from FCA-regulated specialist banks to unregulated commercial private wealth funds. This article lists active 2026 lenders, explains how to verify, and when private lenders fit.