MORTGAGE Guides
Practical mortgage guides, rate updates, and tips to help you make smarter borrowing decisions.
How 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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