Mortgages,in English.
Straightforward mortgage and property advice, without the jargon.
How much deposit do I need for a mortgage?
The honest answer is: it depends. Here's what actually influences the number.
What is an Agreement in Principle?
It's not a mortgage offer, but it's an important step before you start viewing. Here's what it actually means.
First-time buyer mortgage: a complete guide
From deposit to keys — a plain-English walkthrough of the first-time buyer process.
What costs do first-time buyers need to budget for?
Your deposit is only part of it. Here's what else to set money aside for.
Can I get a mortgage if I'm self-employed?
Self-employed income is assessed differently — not impossible, just different.
How do lenders assess company directors?
Salary and dividends, retained profit, net profit — lenders don't all read these the same way.
When should I start looking for a new mortgage?
The short answer: before your current deal ends. Here's why timing matters.
What happens when my fixed mortgage ends?
Nothing dramatic — but doing nothing has a cost. Here's what actually happens.
How much can I borrow for a mortgage?
Income is only part of the equation. Here's what else lenders look at.
What is a property survey and do I need one?
A mortgage valuation and a survey are not the same thing — here's the difference.
How does a buy-to-let mortgage work?
Different rules, different focus — buy-to-let mortgages aren't assessed like residential ones.
What deposit do I need for a buy-to-let mortgage?
Usually more than a residential mortgage — here's what tends to drive the number.
What is a private bank mortgage?
Not just a bigger mortgage — a different way of looking at the whole financial picture.
How do high-net-worth mortgages work?
Complex income and substantial assets usually call for a different conversation.
Fixed, tracker or variable: understanding mortgage rates
Three different ways your rate can behave — and what that means month to month.
READY WHENYOU ARE.
Whether you're buying your first home, moving, remortgaging, or trying to make sense of a more complicated situation — let's start with a conversation.