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Tim Leonard

Tim Leonard

Lead Writer & Content Strategist

Resume

Education

  • BA (Hons) Industrial Economics, University of Nottingham

Previous Experience

  • Finance Editor, Future
  • Associate Editor, Moneyfacts
Tim is a lead writer at NerdWallet and holds the Chartered Insurance Institute (CII) Level 3 Certificate in Mortgage Advice. He has over 20 years’ experience writing about almost all aspects of personal finance. During his career at Moneyfacts, Virgin Money and Future, Tim has shared his high-level technical understanding of financial products and regulation with both consumer and IFA audiences.

The latest from Tim

Triple Lock Pension: How Much Will My State Pension Rise?

The triple lock protects the income that retirees receive through the state pension from inflation. Usually payments increase in line with the highest of either earnings, Consumer Prices Index inflation,…

SERPS Pension Explained

If you contributed towards a SERPS pension between 1978 and 2002, you might be due a top up to your state pension. Alternatively, you may have contracted out of SERPS,…

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 Overpayment Calculator

Use our mortgage overpayment calculator to work out the savings you could make by overpaying and how much faster your mortgage could be paid off.

Mortgage Interest Rate Calculator

Our mortgage interest rate calculator estimates how much your repayments could change if interest rates rise or fall. It also allows you to compare different mortgage rates and terms.

How Much House Can I Afford? UK Mortgage Affordability Calculator

Get an estimate of how much house you can afford using our simple mortgage affordability calculator.

Mortgage Repayment Calculator

A mortgage repayment calculator estimates how much your monthly mortgage repayments may be. Use our calculator to work out how much your mortgage may cost each month.

How Much Can I Borrow for a Mortgage?

Get an estimate of how much you could borrow for a mortgage using our mortgage borrowing calculator.

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…

Best Mortgage Lenders 2025

Finding the best mortgage lender and deal for you is essential. Of course, the mortgage rate you can get is important. But making sure a lender offers the type of…

Shared Ownership Mortgages Explained

A shared ownership mortgage can help make buying a home more affordable if purchasing a property outright is difficult. You’ll buy a share of the home at the start, and…

First-time Buyer Mortgages

Getting a mortgage as a first-time buyer is likely to be more straightforward if you’re well prepared. Find out about first-time buyer mortgages, including the deposit you need, the rates…

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…

Land Mortgages: How to Get a Mortgage for Land

A land mortgage can help you secure the plot of land you want, whether it’s for a self-build project, commercial development, or an agricultural mortgage for farmland.

Self-Build Mortgages: Getting A Mortgage to Build a House

A self-build mortgage is a type of mortgage that allows you to build a house. By paying out the funds in stages, self-build mortgages in the UK aim to make…
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