Mortgage & Property Guides
Plain-English guides for UK buyers, movers and homeowners — covering affordability, mortgage types, costs and strategy.
Use the Mortgage & Property Guides
Your affordable mortgage is not just your salary multiplied by a number. It is the amount that still works after deposit, debts, rates, household bills and lender stress checks. This guide explains the full picture.
Read guide →Repayment vs Interest-Only Mortgage: Which Costs More?
Interest-only is usually cheaper each month, but repayment is usually safer. This guide compares total costs, risks and who each type suits.
Read guide →Should You Overpay Your Mortgage or Save Instead?
Overpaying is often best when your mortgage rate beats your savings return — but not always. This guide covers the break-even analysis and when saving wins.
Read guide →Fixed Rate vs Tracker Mortgage: What Should You Choose?
A fixed rate buys certainty. A tracker follows the market. The better choice depends on your budget, risk tolerance and what would happen if rates moved against you.
Read guide →First-Time Buyer Costs in the UK: Deposit, Stamp Duty and Fees
The deposit is only the start. First-time buyers also need to budget for property tax, mortgage fees, legal work, surveys, insurance, moving costs and a cash buffer after completion.
Read guide →