Mortgages

Mortgages guides

UK mortgage guides: remortgaging, first-time buyer, fixed vs tracker, current mortgage rates.

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Mortgages 11 Aug 2026

Shared Ownership 2026: How It Works, Costs and the Traps

Shared ownership lets you buy 10 to 75 per cent of a home and rent the rest, cutting the deposit sharply. Here is the full monthly cost stack, the repairs trap, staircasing fees and who should avoid it.

Mortgages 9 Aug 2026

Equity Release UK 2026: How It Works and the Alternatives

A balanced look at equity release in 2026: how lifetime mortgages and home reversion work, what rolled-up interest really costs over 10, 15 and 20 years, the Equity Release Council safeguards, the benefit and inheritance effects, and six alternatives to weigh first.

Mortgages 22 Jul 2026

Stamp Duty 2026: Rates and First-Time Buyer Relief Explained

Stamp duty in 2026 starts at £125,000, with first-time buyers paying nothing up to £300,000. Here are the current SDLT bands, the changes since April 2025 and worked examples for England & NI.

Mortgages 22 Jul 2026

How Much Can I Borrow? UK Mortgage Affordability Rules in 2026

How much you can really borrow for a mortgage in 2026, how lenders assess affordability, and how 2026 rule changes raised the ceiling for many buyers.

Mortgages 21 Jul 2026

Mortgage Rates 2026: Will They Fall, and How to Get the Best Deal Now

Bank Rate is 3.75 per cent, average fixes sit near 5.5 per cent but the best buys are already back under 4.2 per cent. Here is where UK mortgage rates are heading in 2026 and how to lock in a good deal.

Mortgages 2 Aug 2026

Should You Overpay Your Mortgage in 2026? Overpay vs Save vs Invest

Overpaying your mortgage can save tens of thousands in interest and cut years off your term, but in 2026 it only beats saving when your rate wins. Here is how to decide.

Mortgages 2 Aug 2026

Bank of England June 2026 Rate Decision: What It Means for Your Mortgage

The MPC decides on 18 June 2026 with Bank Rate at 3.75%. We model what a hold, cut or rise means for a £200k UK mortgage and your savings rates.

Mortgages 21 Jul 2026

First-Time Buyer Mortgage Guide UK 2026: Deposits, Schemes and Stamp Duty

Complete first-time buyer mortgage guide for the UK in 2026. Deposits, rates by LTV, stamp duty after the April 2025 reversion, Lifetime ISA, Mortgage Guarantee Scheme, Shared Ownership and a £250,000 worked example.

Mortgages 21 Jul 2026

Remortgaging UK 2026: What to Do When Your Fixed Rate Ends

With 1.8 million UK fixed-rate mortgage deals ending in 2026, here's how to remortgage smartly, compare product transfers, and avoid the SVR shock.