Mortgages Uk

UK Shared Equity vs Shared Ownership Compared

Shared equity and shared ownership are often confused but work differently. This article compares the two structures, the rent and interest implications, and the trade-offs when selling, staircasing, or transferring.

16 Jun 2026 · 12 min read

UK Self-Build Mortgage Explained

An overview of UK self-build mortgages: the staged drawdown structure, the difference between arrears and advance products, the site valuation process, and the typical eligibility and deposit requirements for borrowers building their own home.

17 Jun 2026 · 11 min read

UK Remortgage: When and How to Switch

A guide to remortgaging in the UK: when to start the process, what to compare, the difference between a product transfer and a full remortgage, and the typical costs involved. Aimed at borrowers approaching the end of a deal period.

16 Jun 2026 · 13 min read

UK Offset Mortgages Explained: How They Work

How offset mortgages work: the linked savings account, the interest reduction effect, the tax efficiency compared with paying down debt directly, and the trade-off in headline rate versus a non-offset product.

16 Jun 2026 · 12 min read

UK Mortgages: The Complete Buyer's Guide

A complete guide to UK residential mortgages: the main product types, the application process, the role of the broker, and the consumer protections set by the FCA. Aimed at first-time and repeat buyers.

16 Jun 2026 · 13 min read

UK Mortgage Types: Fixed, Variable, Tracker, Discount

The four main UK residential mortgage rate types compared: fixed rate, standard variable rate, tracker, and discount. The article explains how each is priced, the typical deal length, and the trade-offs in different rate environments.

17 Jun 2026 · 13 min read

UK Mortgage Stress Test Explained

How UK lenders stress-test mortgage affordability, what the rate buffer is intended to cover, and how stress testing affects the maximum loan available compared to a simple income multiple.

17 Jun 2026 · 10 min read

UK Mortgage Overpayments: Impact and Limits

How UK mortgage overpayments work, the typical 10% annual limit on fixed-rate deals, how overpayments are credited (term reduction vs payment reduction), and the breakeven calculation versus other uses of the same cash.

17 Jun 2026 · 13 min read

UK Mortgage Broker vs Direct Application

Comparing a UK mortgage broker against a direct application to the lender. The article covers cost, market access, advised vs execution-only routes, and the FCA disclosure requirements that apply to brokers and lenders alike.

16 Jun 2026 · 11 min read

UK Mortgage Application Process Step by Step

The UK mortgage application process from mortgage in principle through to completion. Covers the documents needed at each stage, typical timelines, and the common reasons applications are delayed or refused.

17 Jun 2026 · 13 min read

UK Let-to-Buy Explained: Process and Tax

Let-to-buy lets a homeowner remortgage the existing home onto a buy-to-let basis and use the released equity for a new residential purchase. The article covers the structure, the SDLT additional rate consideration, the rental coverage test, and the tax treatment of rental income.

16 Jun 2026 · 11 min read

UK Interest-Only Mortgages Explained

How UK interest-only residential mortgages work, the repayment vehicle requirement, the typical criteria for approval, and the differences between part-and-part and pure interest-only structures.

17 Jun 2026 · 13 min read

UK Help to Buy and Shared Ownership Explained

An explainer for UK first-time and lower-income buyers on government-backed home ownership schemes: Help to Buy (now closed to new applicants in England), shared ownership, and First Homes. Covers eligibility, structure, and the trade-offs of each.

16 Jun 2026 · 13 min read

UK Bridging Loan Explained: Property Chain Use

How UK bridging loans work for property chain situations: short term, secured against property, used to complete a purchase before an existing property sells. Covers the rate structure, exit requirement, and the FCA regulated vs unregulated distinction.

16 Jun 2026 · 10 min read