Mortgages

Bank of England Holds Base Rate at 3.75% — What 30 April's MPC Vote Means for Mortgages and Savings

The MPC voted 8–1 to hold Bank Rate at 3.75% on 30 April 2026, with one member preferring 4%. Higher inflation is expected later in 2026 as the Iran conflict feeds through to energy prices.

7 May 2026 · 2 min read

Bank of England Holds Rate at 3.75%: What It Means for Your Mortgage and Savings

The Bank of England held Bank Rate at 3.75% on 30 April 2026. Here is what the third consecutive hold means for UK mortgages, savings rates, ISA returns, and credit card costs.

12 Jun 2026 · 5 min read

Best Mortgage Rates UK 2026: Lowest 2-Year and 5-Year Fixes Compared

UK mortgage rates in 2026 reflect the Bank of England base rate and lender-specific swap rates. Two-year fixed rates are

17 Jun 2026 · 19 min read

Equity Release vs Remortgage UK 2026: Which Is Right for You?

Choosing between equity release and remortgaging to release equity depends on your age, income, and how much the monthly payment matters. This 2026 guide compares all the options with real figures so you can make an informed decision.

12 May 2026 · 7 min read

Aviva Equity Release and Lifetime Mortgage UK 2026

Aviva is one of the UK's largest equity release lenders. This 2026 guide covers Aviva's lifetime mortgage range, current rates, minimum age, eligibility criteria, and how to compare Aviva against the wider market.

12 May 2026 · 6 min read

Legal & General Lifetime Mortgage UK 2026: Rates, Plans & Eligibility

Legal & General is one of the UK's largest lifetime mortgage providers. This guide covers their 2026 plan range, current MER rates, eligibility criteria, and what ERC membership means.

12 May 2026 · 8 min read

UK Retirement Interest-Only (RIO) Mortgages 2026

A retirement interest-only mortgage lets you pay just the monthly interest on your loan, with the capital repaid when you die or move into care. This pillar guide covers RIO in 2026.

17 Jun 2026 · 10 min read

Lifetime Mortgages UK 2026: How Equity Release Works, Rates and Who Qualifies

A lifetime mortgage lets homeowners aged 55 and over release equity from their property as a lump sum or drawdown without monthly repayments. Here is how they work, current rates, and the key risks to understand.

16 Jun 2026 · 7 min read

New Build, Shared Ownership & Help to Buy UK 2026

HtB equity loan unwind, shared ownership staircasing, new-build lender lists.

12 Jun 2026 · 1 min read

Expat & Non-Resident Mortgages UK 2026

Currency rules, lender pools, BTL for expats, returning expats.

18 May 2026 · 1 min read

Adverse Credit Mortgages UK 2026

Defaults, CCJs, IVAs, bankruptcy discharge, specialist lenders.

18 May 2026 · 1 min read

Self-Employed & Contractor Mortgages UK 2026

1-year accounts, day-rate contractors, SA302 evidence.

18 May 2026 · 1 min read

UK Buy-to-Let & Portfolio Mortgages 2026

BTL stress tests, portfolio landlord rules, limited company SPVs.

18 May 2026 · 1 min read

First-Time Buyer Mortgages UK 2026

LTV ladders, deposit thresholds, schemes still available.

12 Jun 2026 · 1 min read

UK Property for Expats 2026 -- Buy, Rent & Remortgage From Abroad

TL;DR * TL;DR: Non-residents buying UK property pay a 2% SDLT surcharge (since 1 April 2021) on top of all

16 Jun 2026 · 10 min read

Buy-to-Let UK from Abroad 2026 -- Mortgages, New Property Tax Rates and Reporting

Buy-to-let UK from abroad 2026: property income rates from 6 April 2026 are 22%/42%/47% (Autumn Budget 2025 OOTLAR). NRLS withholds 20% from rent unless NRL1 approval is held. Section 24 caps mortgage interest at a 20% credit. Expat BTL rates run 0.5-1.5% above UK resident rates.

16 Jun 2026 · 9 min read

UK Expat Mortgage Broker 2026 -- How to Choose, Cost and FCA Authorisation

A UK expat mortgage broker must hold FCA MCOB authorisation (register.fca.org.uk). Expat rates run 0.5-1.5% above resident rates; minimum deposits are 25-40% for buy-to-let. Broker fees run £500-1,500. Specialist lenders handle most expat cases in 2026.

17 Jun 2026 · 8 min read

Remortgage UK Property as an Expat 2026 -- Lenders, Rates and Process

Remortgage UK property as expat 2026: Skipton International, HSBC Expat and Paragon Bank offer remortgage products at 0.5-1.5% above standard UK rates. Two-year fixed rates average 5.1-6.5% at 75% LTV. Overseas income evidence required. NRLS applies if the property is rented.

16 Jun 2026 · 8 min read

UK Buy-to-Let for Expats 2026 -- Mortgages, Tax and Reporting Rules

UK buy to let expat 2026: NRLS withholds 20% basic rate tax from gross rents; form NRL1 allows gross payment. Mortgage interest restricted to a 20% basic rate credit. Non-Resident SDLT Surcharge of 2% applies on purchase. Non-resident CGT 18-24% on sale; report within 60 days.

16 Jun 2026 · 9 min read

Equity Release UK 2026 — How a Lifetime Mortgage Works, ERC Standards 2.0 and the £2.57bn Market

How a UK lifetime mortgage actually works in 2026 — ERC Standards 2.0, drawdown vs lump sum, the no-negative-equity guarantee, and how compound interest affects the estate.

17 Jun 2026 · 10 min read

Remortgage With Bad Credit UK 2026 — Specialist Lenders, LTV Bands and What Rates to Expect

1.8m UK fixed-rate mortgages expire in 2026. If you have adverse credit, specialist lenders are the route — at higher rates and tighter LTVs. Here is what to expect.

17 Jun 2026 · 10 min read

UK Mortgage Rates Today: 2-Year and 5-Year Fix Tracker

Live UK mortgage rate tracker. Average 2-year fix 5.56%, 5-year fix 5.54% in April 2026. Best rates, lender activity and remortgage outlook.

17 Jun 2026 · 10 min read

Mortgage Brokers on The Desk

Ongoing editorial coverage of FCA-authorised UK mortgage intermediaries — residential, buy-to-let, commercial and specialist lending brokers on The Kaeltripton Desk.

18 May 2026 · 3 min read

Tembo Mortgages Explained: How Family Deposit Schemes Work

Part of our UK mortgage rates guide. See the main pillar for the full lender comparison, FRN-verified best buys by LTV

3 May 2026 · 7 min read

Best Equity Release UK 2026: Lifetime Mortgage Rates and Providers Ranked

Equity release rates in 2026 are typically between 5% and 7% AER for lifetime mortgages, with the interest compounding and rolling up

17 Jun 2026 · 11 min read

UK Mortgage Rates May 2026: Best Deals From 5.56% (Live Tracker)

Best UK mortgage rates April 2026: Nationwide 2-year fix at 4.71%, Yorkshire Skipton 5-year at 4.74%. Bank of England holds at 3.75%. Middle East conflict has sent swap rates up and many lenders have hiked fixes. Full breakdown and what to do now.

10 Jun 2026 · 5 min read

UK Buy-to-Let Mortgage Squeeze 2026: Rates Up, 220,000 Landlords Tipped to Exit

Average two-year BTL fixed rates jumped from 4.66% to 5.44% in a single month. 93,000 landlords exited in 2025 and Pepper Money forecasts another 220,000 exits by end of 2026. The perfect storm for UK BTL brokers and landlords explained.

12 Jun 2026 · 4 min read

Bank of England Holds Base Rate at 3.75% Ahead of 30 April Decision: What It Means for UK Mortgages

The Bank of England held the base rate at 3.75% in March, with 90% of economists expecting another hold on 30 April. Middle East tensions have shifted the rate outlook — here's what borrowers, remortgagers and brokers need to know.

12 Jun 2026 · 2 min read

UK Mortgage Rates May 2026: Best Deals From 5.84% (Live Tracker)

UK mortgage rates 2026: average mortgage rate data, best 2-year fixed from 5.84%, 5-year deals and Bank of England base rate impact. Updated monthly.

12 Jun 2026 · 5 min read

Equity Release Interest Rates UK 2026 — What You'll Pay and How Compound Interest Works

Equity release lifetime mortgage rates start from around 6.30% MER in April 2026. How compound interest works, what ERC Standards 2.0 protects, and what to weigh up.

17 Jun 2026 · 10 min read