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.
UK Mortgage Protection Insurance Explained
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.
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.
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.
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.
UK Landlord Insurance Types Explained
UK landlords typically combine several insurance covers: buildings insurance (often required by the mortgage lender), contents insurance for furnished lets, public liability, rent guarantee, legal expenses, and emergency assistance. Each addresses a specific risk and is not legally
