UK mortgage guides — fixed-rate, tracker, remortgage, buy-to-let and equity release. Rates updated weekly.
Data under Open Government Licence v3.0.
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 read
How estate agents, property developers, and proptech firms win organic visibility under RICS, ARLA, and TCPD-aware content programmes.
12 Jun 2026 · 10 min read
Older borrowers took out £6 billion in mortgage lending in Q1 2026, UK Finance confirmed on 28 May. Retirement interest-only mortgages rose 5.4% while lifetime mortgages fell 8%.
12 Jun 2026 · 3 min read
Rob Dix co-hosts the UK Property Podcast and has built a substantial buy-to-let portfolio. This abstract covers his practical framework for evaluating deals, understanding the tax landscape, and building a property business that survives changing regulation.
28 May 2026 · 2 min read
Barclays has confirmed an affordability change that lets some renters factor existing rent payments into a mortgage application. Here is who qualifies and how the calculation works.
27 May 2026 · 3 min read
The Bank of England held the base rate at 4.25% in May 2026. With inflation at 2.8%, here is what rate decisions mean for mortgage holders and sa...
12 Jun 2026 · 3 min read
UK mortgage rates have started rising again after a brief easing earlier this spring. Brent crude above $110, 10-year gilt yields at the highest since the 2008 financial crisis, and Bank of England warnings about a possible further hike have shifted lender funding costs sharply upward.
12 Jun 2026 · 7 min readUK self-employed mortgages typically require 2-3 years of SA302s. Some specialist lenders accept 1 year of accounts for newly self-employed. This guide covers what lenders look for, the documents required, and how contractors and seasonal workers approach the application.
16 Jun 2026 · 7 min readUK contractor mortgages can be assessed on day rate (specialist lenders) or personal income (mainstream lenders). Specialist contractor mortgages use day rate * 46-48 weeks for affordability, typically supporting larger borrowing. This guide covers the routes and documentation.
16 Jun 2026 · 7 min read
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
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 readA 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
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
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
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
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
Mortgage protection insurance covers the mortgage payment or balance if the borrower cannot pay due to death, critical illness, or inability to work. The article compares the main forms: decreasing-term life, MPPI, and income protection sized to the mortgage.
16 Jun 2026 · 9 min read
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
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
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
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
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
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
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
UK buy-to-let mortgages are assessed primarily on rental coverage at a stressed interest rate rather than the borrower's personal income alone. The PRA's underwriting standards require minimum interest coverage ratios and stress rates designed to ensure the rental income can support the
17 Jun 2026 · 11 min read
Statutory Maternity Pay (SMP) is paid by employers to eligible employees for up to 39 weeks: 90% of average weekly earnings for the first 6 weeks, then the lower of the standard statutory rate or 90% of earnings for the remaining 33 weeks. Eligibility requires 26 weeks of continuous employment by t
16 Jun 2026 · 6 min readGet Kael Tripton in your Google feed
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