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Mortgage Guides

We've collated our most popular and most recently-published mortgage guides in one place for you. Designed to help you through the basics as well as more complicated issues, browse our entire back catalogue below. 

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Our most popular mortgage guides

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What income can I use for a mortgage application?

To get an accurate affordability check you'll want to know what counts as income, so you can declare everything you have to offer. Our helpful guide explains.

To get an accurate affordability check you'll want to know what counts as income, so you can declare everything you have to offer. Our helpful guide explains.

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Should I use a mortgage broker?

A mortgage broker specialises in finding mortgage lenders who will meet your needs for a mortgage. They do this by providing you with advice and recommending the mortgages most suitable for you. They will then manage completing your mortgage application.

Mortgage brokers remove a lot of the paperwork and hassle of getting a mortgage, as well as helping you access exclusive rates.

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Mortgage valuations are not in-depth surveys

For a more comprehensive evaluation of a property, you should choose a home buyer report or the more detailed full structural survey. Our helpful guide explains the differences.

For a more comprehensive valuation of a property, you should choose a home buyer report or a detailed structural survey. Our guide explains the differences.

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Pay your mortgage off early in 5 steps

Read our five tips to repay your mortgage early - even a small change can make a big difference to becoming mortgage free sooner.

Read our five tips to repay your mortgage early - even a small change can make a big difference to becoming mortgage free sooner.

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5 steps to becoming a buy-to-let landlord

If you already have a mortgage on your property but wish to convert it to buy-to-let, it's important to speak to your mortgage lender. Read on to find out more.

If you already have a mortgage on your property but wish to convert it to buy-to-let, it's important to speak to your mortgage lender. Read on to find out more.

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7 tips on finding the best estate agent

Your choice of estate agent can play a crucial part in the process of buying or selling a property. Take your time and make sure that you know exactly what services are being offered. Our helpful guide explains what to look for.

Your choice of estate agent can play a crucial part in the process of buying or selling a property. Our helpful guide explains what to look for.

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What is an offset mortgage?

Offset mortgages can be a great way to save money. They can either help you reduce your monthly payments, or shorten the term and help you get mortgage-free sooner. Read our helpful guide.

Offset mortgages can be a great way to save money. They can either help you reduce your monthly payments, or shorten the term. Read our helpful guide for more.

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What happens to a mortgage when one of the borrowers dies?

Speak to your mortgage lender as soon as possible after the death of your partner if you have a joint mortgage. The sooner they know, the sooner they can help. Our guide explains more.

Speak to your mortgage lender as soon as possible after the death of your partner if you have a joint mortgage. The sooner they know, the sooner they can help.

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All our mortgage guides

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Is using equity release to pay off an interest-only mortgage a good option?

Equity release can be a good way of releasing money built up in a home’s equity. So for those who have an interest-only mortgage and are thinking about using equity release to pay off an interest-only mortgage, we’ve looked at whether this is possible.

Is equity release a good way to pay off an interest-only mortgage

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How does equity release affect inheritance?

While equity release can be a good way for older homeowners to tap into the wealth they have built up within their homes, many will have concerns about how it will impact the inheritance they leave behind.

Many homeowners will have concerns about how equity release impacts the inheritance they leave behind.

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Should you increase mortgage repayments or your pension contribution?

Deciding whether to increase your mortgage payments or pension contribution can have a significant effect on your finances. As a starting point, our preferred independent financial adviser company Kellands encourages consumers to align their mortgage term with their preferred retirement date.

Deciding whether to increase your mortgage payments or pension contribution can have a significant effect on your finances.

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What is Sharia’a banking, and how does it affect your personal finances?

From expected profit rate to home purchase plans, there are a number of terms you will have to know if you are to consider a provider which complies with Islamic banking principles. Also known as Sharia’a banking, we explain below how this works.

From expected profit rate to home purchase plans, there are a number of terms to consider when using an Islamic banking provider.

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Everything you need to know about Open Banking

Open Banking is a practice that allows you to securely share your financial data with authorised third-party providers, such as budgeting apps or other banks, through APIs. Depending on the app or service, you can also give them permission to make payments directly from your account.

Open Banking is a practice that allows you to securely share your financial data with authorised third-party providers such as apps or other banks, through APIs

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Conveyancing Glossary

If you are in the process of buying or selling a property, chances are you have come across a host of legal jargon. From a BACS Transfer to Apportionment, there are many terms which need explaining. Below, our commercial partners ULS have summarised some of these terms.

If you are in the process of buying or selling a property, chances are you have come across a host of legal jargon. Read our glossary to find out more.

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UK inflation explained - and how to deal with it

Whether you are looking to invest for your future, save for retirement, or find your perfect mortgage you have probably come across a term called inflation. With its widening effect, it is important to understand what inflation is, why it is necessary, and how it affects the economy.

Whether you are looking to invest for your future, save for retirement, or find your perfect mortgage you have probably come across a term called inflation.

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Reviewed: Nationwide Mortgages

Looking for a new mortgage? Nationwide Building Society should probably be on your radar. Voted as one of the best mortgage providers at the annual Moneyfacts Consumer Awards, Nationwide has a lot to offer, but just what can you expect from Nationwide mortgages? Here’s everything you need to know

Voted as one of the best mortgage providers, Nationwide has a lot to offer borrowers, but just what can you expect from Nationwide mortgages?

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