Guides
Practical mortgage guides, rate updates, and tips to help you make smarter borrowing decisions.
The Bank of England Held Rates at 3.75%: What It Means for Your Mortgage
The MPC held the base rate at 3.75% in July, its fifth hold, with three members voting for a rise. What the hold, and the risk of a move either way, means for trackers, SVRs and fixed deals.
Read article5% Deposit Mortgages Explained
How 95% LTV mortgages work in 2026, what a 5% deposit costs each month, what lenders check, and when waiting for a bigger deposit is the smarter move.
Read articleHow Much Deposit Do You Really Need in 2026?
LTV bands, the rate jump between 90% and 85%, and the hidden costs of moving. A practical guide to deciding how much to save before you buy.
Read articleSelf-Employed Mortgages: A 2026 Guide
How lenders read sole trader, partnership, limited company and contractor income, the paperwork you need, and the practical steps that turn a maybe into an offer.
Read articleHow the Iran War Is Affecting Mortgage Rates & the Housing Market
Oil prices have surged, rate cuts are on hold, and affordability is under pressure. Here's what the conflict means for your mortgage — with three scenarios and practical advice.
Read articleRemortgaging in 2026: What You Need to Know
1.8 million fixed-rate deals expire this year. What to expect, when to start looking, product transfer vs. open market — and a calculator to compare your current rate against new deals.
Read articleFirst-Time Buyer's Complete Guide 2026
From saving a deposit to getting the keys — your step-by-step guide to buying your first home in the UK.
Read articleStamp Duty Changes in 2026: What You Need to Know
Everything you need to know about the April 2025 stamp duty changes and how they affect first-time buyers, home movers, and buy-to-let investors.
Read articleMortgage on a £300k House with a £30k Deposit
What you'll actually pay each month, what salary you need, and how to get the best deal at 90% LTV — with current rates and a calculator.
Read articleHow Much Can I Borrow on a £100k Salary?
A practical guide to mortgage affordability in 2026 — with salary multiples, current rates, and a calculator to run your own numbers.
Read articleHow Much Can I Borrow on a £80k Salary?
A practical guide to mortgage affordability in 2026 — with salary multiples, current rates, and a calculator to run your own numbers.
Read articleHow Much Can I Borrow on a £70k Salary?
A practical guide to mortgage affordability in 2026 — with salary multiples, current rates, and a calculator to run your own numbers.
Read articleHow Much Can I Borrow on a £60k Salary?
A practical guide to mortgage affordability in 2026 — with salary multiples, current rates, and a calculator to run your own numbers.
Read articleHow Much Can I Borrow on a £50k Salary?
A practical guide to mortgage affordability in 2026 — with salary multiples, current rates, and a calculator to run your own numbers.
Read articleHow Much Can I Borrow on a £45k Salary?
A practical guide to mortgage affordability in 2026 — with salary multiples, current rates, and a calculator to run your own numbers.
Read articleHow Much Can I Borrow on a £40k Salary?
A practical guide to mortgage affordability in 2026 — with salary multiples, current rates, and a calculator to run your own numbers.
Read articleHow Much Can I Borrow on a £35k Salary?
A practical guide to mortgage affordability in 2026 — with salary multiples, current rates, and a calculator to run your own numbers.
Read articleHow Much Can I Borrow on a £30k Salary?
A practical guide to mortgage affordability in 2026 — with salary multiples, current rates, and a calculator to run your own numbers.
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