The latest from Tim
Discount Mortgages: Is a Lower Rate Worth the Risks?
A discount rate mortgage tracks a lender's standard variable rate, but at a discount. There are pros and cons to this sort of loan.
Mortgage Advice: Do I Need a Mortgage Broker?
The job of a mortgage adviser or broker is to help you find the best mortgage for your circumstances and needs. They may also apply for the mortgage and take…
What Does Loan-to-Value (LTV) Mean for a Mortgage?
The loan-to-value (LTV) ratio is your mortgage amount expressed as a percentage of the current value of the property being bought or remortgaged. The bigger your deposit or the equity…
Buy-to-Let Mortgage Calculator
Our easy-to-use buy-to-let mortgage calculators give you an idea how much you may be allowed to borrow and the rental income needed to cover your mortgage repayments.
Mortgage Calculators for UK Borrowers
Use our simple UK mortgage calculators to get an estimate of monthly mortgage repayments, work out how much you could borrow, and see how interest rate changes and overpaying may…
What Were the Pros and Cons of the Help to Buy Scheme?
The Help to Buy equity loan scheme helped over 375,000 home buyers on to the property ladder before it ended in March 2023. The scheme was designed to help first-time…
How Long Does a Mortgage Offer Last?
The home buying process can take a long time so it’s important to know how long your mortgage offer will last and your options if it’s about to expire.
Mortgage Declined: What Should My Next Move Be?
Having your mortgage application declined shouldn’t spell the end of your dream to own your own home. There are many reasons why your application could have been turned down, but…
Buy-to-Let Mortgages
A buy-to-let mortgage allows you to borrow the funds needed to buy a property to rent out. Buy-to-let mortgages tend to have higher interest rates than residential mortgages and require…
What is a Joint Mortgage?
Joint mortgages are often taken out with a partner, but can also be taken out with friends and family. A parent may take out a joint mortgage with their child…
Secured Loans Explained
When taking out a secured loan, you put forward the equity in your property, or another asset, as security for the loan. This might help you get a loan when…
What is Stamp Duty, Who Pays it & When?
Stamp duty is a tax you may need to pay when buying property or land in England and Northern Ireland. Whether stamp duty is payable, and how much, mainly depends…
What is a Buy-to-Let Mortgage?
A buy-to-let mortgage is a mortgage that you would use to buy a property to rent out. Your mortgage repayments should be covered by your rental income, but there are…
Single Person Mortgages: Getting A Mortgage On Your Own
Getting a mortgage on your own is possible if you can show a lender you’d be able to meet your mortgage repayments and your finances allow.
Should you pay off your mortgage early? Here’s 6 ways to make it happen
Most homeowners would like to pay off their mortgage early, but is it always the right thing to do? Here's how to find out if you should overpay, along with…