mortgage

Average Mortgage Broker Fee UK 2026: What You Should Expect to Pay

Mortgage broker fees in the UK typically range from £0 to £999 for standard cases. This guide covers what brokers charge, why fees vary, when a fee-free broker makes sense, and what the FCA requires brokers to disclose.

29 Jun 2026 View & bid →

Mortgage Guarantee Scheme UK 2026: How the Permanent Scheme Works and Who Qualifies

The UK Mortgage Guarantee Scheme provides a government guarantee to lenders on high loan-to-value mortgages, enabling 5% deposit mortgages. This guide covers eligibility, lenders, and how the permanent scheme differs from its predecessors.

29 Jun 2026 View & bid →

What Are Swap Rates? How They Affect UK Mortgage Rates Explained

Swap rates are the wholesale interest rates lenders use to price fixed-rate mortgages. When swap rates rise, fixed mortgage rates follow. This guide explains how swap rates work and what they mean for your mortgage.

29 Jun 2026 View & bid →

FCA Mortgage Affordability Reform 2026: Proposed Rule Changes to Help More Borrowers

The FCA has launched a consultation on proposed changes to mortgage affordability rules to help more people access mortgages - including self-employed borrowers, first-time buyers, and older borrowers. Key changes proposed for 2026.

29 Jun 2026 View & bid →

Portfolio Landlord Mortgage UK 2026: Rules, Lenders and How to Qualify

Portfolio landlords with four or more mortgaged buy-to-let properties face stricter PRA underwriting since 2017. This guide explains the rules, which lenders accept portfolio landlords and how to structure applications.

29 Jun 2026 View & bid →

FCA Mortgage Rule Review CP26/18: What It Means for First-Time Buyers, Self-Employed and Older Borrowers

FCA consultation CP26/18 proposes flexibility for self-employed borrowers, older homeowners and those with past credit issues. Consultation closes 28 July 2026. What the proposed changes mean in practice.

29 Jun 2026 View & bid →

The Mortgage Works Cuts Buy-to-Let Switcher Rates for Existing Customers from 27 June

The Mortgage Works cuts BTL switcher rates by up to 0.25pp from 27 June 2026. Five-year fix at 4.44% (65% LTV, £1,495 fee). Third rate cut in a month.

27 Jun 2026 View & bid →

Scotland's £10,000 Deposit Scheme Faces Affordability Concerns as City Prices Outpace Grant

Scotland's First Home Fund provides a £10,000 equity loan for first-time buyers. Critics say it falls short in Edinburgh where a 5% deposit is.

27 Jun 2026 View & bid →

FCA Proposes New Mortgage Affordability Rules: What the Consultation Means for Borrowers

The FCA has proposed replacing the current mortgage stress test with a flexible lender-set framework. LTI limits from the Bank of England remain.

26 Jun 2026 View & bid →

Before You Release Equity from Your Home: How Rolled-Up Interest Grows and What It Costs Long Term

Lifetime mortgage interest compounds — £100,000 at 5.5% becomes £291,000 after 20 years. Affects inheritance and benefits. Regulated advice required.

26 Jun 2026 View & bid →

Before You Build Your Own Home: Stage Release Mortgages, Planning, CIL and True Costs

Self-build mortgages release funds in stages. Budget for CIL, VAT reclaim and a 15-20% contingency on top of build cost. Planning alone takes months.

26 Jun 2026 View & bid →

Before You Take Out a Bridging Loan: Exit Strategy, Costs and What Happens If It Goes Wrong

Bridging loans cost 0.4-1.5% per month. Without a confirmed exit strategy the lender can appoint a receiver and force a sale. Know the total cost first.

26 Jun 2026 View & bid →

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