Mortgages Explained

Mortgages can be complicated. So we’re making them simple. Whether you’re a first-time buyer or a longtime landlord, here’s everything you need to know, in plain old English that is relatively jargon-free.

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First time buyers: 4 top tips

Do your sums. Then do them again. You’ll need a lot of money upfront for your deposit, ideally 10% or more – especially if you want the...

Stamp duty relief for first time buyers

Stamp Duty Land Tax (aka SDLT or just “stamp duty”) is a tax you have to pay when you buy any UK property worth £125,000 and up. From...

Help to buy and shared ownership

Having a small deposit doesn’t mean you can’t buy. There are a few schemes from the government to help you onto the ladder and give you...

Fixed rate or variable? The different types of mortgages

There are lots of different mortgage deals out there, but mostly, they fall into two different categories: fixed rate and variable rate....

Your mortgage application, in brief

Get your deposit ready You’ll need to make an upfront payment on the place you want to buy – at least 5% of the property’s total value,...

Before you apply for a mortgage: deposit, LTV & credit score

Saving for a deposit (and your ‘LTV’) You can buy with a 5% deposit, but that’s where rates are at their highest and lending rules at...

Mortgages: a basic introduction

It’s a big loan to help you buy a property A mortgage is a loan you take out to buy a property. You usually borrow the money from a bank...

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Mortgages Explained

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