UK mortgage guides covering rates, equity release, second charge lending and remortgaging. Independent analysis from FCA and Bank of England primary sources.
Data under Open Government Licence v3.0.
Bankruptcy does not permanently prevent getting a mortgage in the UK. This guide covers when you can apply after bankruptcy, which specialist lenders consider discharged bankrupts and what deposit and rate to expect.
16 Jun 2026 · 3 min read
Having a default on your credit file does not automatically prevent getting a mortgage in the UK. This guide covers how lenders assess defaults, the difference between satisfied and unsatisfied defaults and which specialist lenders consider default applications.
16 Jun 2026 · 3 min read
A 100% mortgage requires no deposit from the borrower. This guide covers the limited availability of no-deposit products in the UK in 2026, how family-assisted 100% mortgages work, the risks involved and which lenders offer them.
16 Jun 2026 · 3 min read
A 95% mortgage allows buyers to purchase with just a 5% deposit. This guide covers which lenders offer 95% LTV products, how they are priced, government support schemes and the risks of high LTV borrowing in the UK.
16 Jun 2026 · 4 min read
A gifted deposit uses funds given by a family member to make up part or all of the mortgage deposit. This guide covers lender requirements, the gifted deposit letter, anti-money laundering checks and what to do if the gift has conditions attached.
16 Jun 2026 · 4 min read
A family offset mortgage links a family member's savings to a first time buyer's mortgage, reducing the interest charged without the family member losing access to their money. This guide covers how family offset mortgages work, lender availability and the key considerations.
16 Jun 2026 · 4 min read
A guarantor mortgage uses a parent or family member's finances to support your application. Risks, eligibility, types and alternatives explained for UK borrowers.
12 Jun 2026 · 5 min read
A joint mortgage is taken out by two or more borrowers. How joint mortgages work, who is liable, what happens if couples separate and how to remove someone from a joint mortgage.
12 Jun 2026 · 5 min read
The Lifetime ISA provides a 25% government bonus on savings that can be used toward a first home purchase. This guide covers LISA eligibility, the property price cap, withdrawal rules and how the bonus interacts with a mortgage.
16 Jun 2026 · 4 min read
The Help to Buy equity loan scheme in England closed to new applicants in March 2023. This guide explains how the scheme worked, what alternatives exist for first time buyers in 2026 and the current government support landscape.
16 Jun 2026 · 4 min read
A shared ownership mortgage finances your share of a home while you pay rent on the rest. Eligibility, lenders, staircasing and costs explained.
12 Jun 2026 · 5 min read
A limited company buy-to-let mortgage finances a rental property held through a special purpose vehicle company. This guide covers the tax case for limited company ownership, SPV structure, lender criteria and the costs involved.
16 Jun 2026 · 4 min read
An HMO mortgage finances a house in multiple occupation let to several unrelated tenants. This guide covers HMO mortgage criteria, mandatory licensing under the Housing Act 2004, rental income assessment and how HMO finance differs from standard buy-to-let.
16 Jun 2026 · 4 min read
A holiday let mortgage finances a short-term rental property. How holiday let mortgages differ from buy-to-let, rates, lenders and the tax changes affecting holiday lets.
12 Jun 2026 · 5 min read
A let to buy mortgage lets you rent out your current home and use the equity to buy a new one. How let to buy works, the tax implications and who it suits.
12 Jun 2026 · 5 min read
A capped rate mortgage sets a maximum interest rate above which the pay rate cannot rise, while still allowing payments to fall if rates drop. This guide covers how caps work, their current availability and how they compare to fixed rate products.
16 Jun 2026 · 3 min read
A discount mortgage sets your rate at a fixed discount below the lender's standard variable rate. This guide explains how discount mortgages work, the risks of SVR dependency and how they compare to tracker deals.
16 Jun 2026 · 3 min read
A variable rate mortgage has an interest rate that can change during the mortgage term. This guide explains the different types of variable rate mortgage, how each is set and the risks and benefits compared with fixed rate products.
16 Jun 2026 · 4 min read
A fixed rate mortgage locks in the interest rate for a set period, providing payment certainty regardless of base rate movements. This guide covers how fixed rates work, how terms compare and what happens at the end of the deal.
16 Jun 2026 · 4 min read
A tracker mortgage follows the Bank of England base rate plus a fixed margin. How tracker mortgages work, current rates, the risks and when a tracker mortgage makes sense.
12 Jun 2026 · 5 min read
An offset mortgage links your savings to your mortgage balance, reducing the interest charged. How offset mortgages work, who offers them and when they make financial sense.
12 Jun 2026 · 5 min read
A second charge mortgage lets you borrow against your home equity without disturbing your existing mortgage. Rates, lenders, eligibility and risks explained.
12 Jun 2026 · 5 min read
A repayment mortgage clears both interest and capital over the term so the loan is fully paid off at the end. This guide explains how payments are structured, what affects total cost and how lenders assess affordability.
16 Jun 2026 · 4 min read
Buildings insurance covers the structure of your home against damage from fire, flood and subsidence. This guide explains what UK buildings insurance covers, what is excluded and when it is legally required.
15 Jun 2026 · 3 min read
A commercial mortgage funds property used for business. This guide explains how it differs from a residential mortgage, typical LTV of 65 to 75 percent, fixed, variable and SONIA-linked rates, what lenders assess, FCA regulation, broker fees and commercial stamp duty in the UK as of 2026.
17 Jun 2026 · 8 min read
The Rightmove House Price Index tracks asking prices on newly listed UK homes. It is the earliest signal in the market, but it is not the same as the Halifax, Nationwide, HM Land Registry or ONS UK House Price Index, which all measure something different.
12 Jun 2026 · 3 min read
With the Bank of England base rate at 3.75% and the next MPC decision on 18 June 2026, mortgage holders coming off fixed deals face a difficult choice. Here is how to think about fixing versus staying on a variable rate in the current environment.
12 Jun 2026 · 2 min read
UK house prices fell 0.6 percent in May 2026, the first monthly decline of the year and three times the expected fall, Nationwide data shows. The average price slipped to £278,024 with annual growth slowing to 1.7 percent.
1 Jun 2026 · 4 min read
The Bank of England held Bank Rate at 3.75 percent by 8 to 1 on 30 April. With the next MPC vote on 18 June and the Iran conflict still feeding inflation, mortgage pricing is being driven by swap rates rather than the official rate.
12 Jun 2026 · 4 min read
Mortgage rates in June 2026 are above 5% on two-year fixed deals as lenders price in uncertainty ahead of the Bank of England MPC meeting on 18 June. Here is what is available and what the decision could mean for fixed and variable rate borrowers.
12 Jun 2026 · 2 min readGet Kael Tripton in your Google feed
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