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.
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.
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.
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.
A guarantor mortgage uses a parent or family member's finances to support your application. Risks, eligibility, types and alternatives explained for UK borrowers.
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.
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.
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.
A shared ownership mortgage finances your share of a home while you pay rent on the rest. Eligibility, lenders, staircasing and costs explained.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
A second charge mortgage lets you borrow against your home equity without disturbing your existing mortgage. Rates, lenders, eligibility and risks explained.
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.
Moving house and buying a new build require specific insurance considerations. This guide covers when your home insurance starts when buying a new home, what new build snagging means for cover, and how to transfer policies between properties.
Standard home cover lapses after 30 to 60 days empty. Unoccupied property insurance fills the gap, with conditions such as inspections and turning off the water.
Contents insurance covers your personal belongings against theft, fire, and accidental damage. This guide explains what standard contents policies include, what common exclusions mean, and how to avoid being underinsured.
Holiday homes need specialist insurance different from standard home policies. This guide covers what holiday home insurance includes, what letting to guests requires, and how unoccupancy conditions affect cover between visits.
Listed buildings and high-value homes need specialist insurance with higher rebuild cost calculations and bespoke cover. This guide covers what listed building insurance includes, how high net worth home insurance differs from standard policies, and how to value a listed property.
Working from home creates insurance gaps. This guide explains what standard home insurance covers for home office use, what business equipment policies add, and what public liability home workers need when clients visit.
Home emergency insurance covers the cost of emergency call-outs for boiler breakdown, plumbing failures, and electrical faults. This guide explains what home emergency cover includes, what is excluded, and how it differs from a boiler service plan.
Landlords in England and Wales must meet minimum EPC ratings for rental properties. This guide explains the current EPC requirements, what the proposed changes mean, and how energy efficiency improvements affect landlord insurance.
Taking in a lodger changes your home insurance. This guide explains what you must tell your home insurer, how cover is affected, and when you need landlord insurance instead.
Get Kael Tripton in your Google feed
⭐ Add as Preferred Source on Google