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Mortgages guides

Check out our helpful guides to have all of your burning questions about mortgages explained. Covering a wide range of topics, from mortgage terminology and statistics, through to sourcing reputable mortgage advice from a broker when you're looking to buy, move or remortgage your property:

Bank of England base rate

Bank Of England Base Rate - Current, Predictions & Next Review 2025

The base rate is the UK interest rate set by the Bank of England. A change in the base rate may affect your mortgage rate.

A wooden desk has the following items strewn on it: a calculator, some bank notes, a key, a diary and a notepad with the word 'Remortgage' hand written in bold black ink

When Should You Remortgage?

Whatever your reason for remortgaging, timing is everything. We look at when remortgaging can be most beneficial, and when it may be best to avoid it

Two hands are shaking across a table and in the background another hand holds a key. On the table is a tiny model of a house and a form with a pen

Should I Use A Mortgage Broker Or Bank, Which Is Better?

The bank vs mortgage broker debate is the first focus for many getting a mortgage. Your bank might seem like an easier option, but is this limiting your options, and if so, how?

Gifted deposit for a mortgage

What is LTV? How to Calculate LTV - Loan to Value Ratio

LTV, or loan-to-value, is the percentage you are borrowing of the property value when you get a mortgage. IT affects the interest rates lenders charge

Islamic business lady signing an agreement for an Islamic / halal mortgage

What is an Islamic mortgage? | How they work

The Islamic or halal mortgage process is slightly different, allowing customers to get finance to buy a home in compliance with Sharia law

Gifted deposit for a mortgage

Mortgage Offers Explained | How Long Does A Mortgage Offer Last?

Read our guide to find out everything you need to know about mortgage offers, from how long they lost and how they differ from a mortgage in principle.

Are cashback mortgages worth it?

How To Get A Mortgage In 2024 - A Step-By-Step Guide

Applying for a mortgage can be daunting, but our guide explains everything you need to know, including what documents you need and how a broker can help.

How to avoid gazumping. Image of an under off sign board.

What Is Gazumping & How To Avoid It

Gazumping is when a seller accepts a better offer on their property after a sale has already been agreed with another buyer, but before contracts have been exchanged.

Young couple surrounded by boxes after porting their mortgage

Porting a mortgage

If you are moving home you might be able to keep your existing mortgage and move it over to your new property - this is known as porting

A young white woman dressed entirely in mustard yellow and standing against a mustard yellow backdrop holds a fan of UK bank notes in her right hand. He left hand is pointing to the money and she has a big smile on her face.

How Much Can I Borrow For A Mortgage

Finding out how much you can borrow before you look for a home is a good idea. We look at how lenders decide what size of mortgage they will offer you

A hessian door mat which has the words 'Home sweet home' printed on it sits on the floor of a sunny hallway, surrounded by cardboard boxes and a house plant

Moving House Checklist 2024 - Who To Notify

Moving home is among the most stressful things to do, but much of that stress can be mitigated by planning in advance. Our advice will help!

Gifted deposit for a mortgage

Gifted Deposit For A Mortgage In 2025

Many first time buyers get help from their parents, but if you are being gifted a deposit, here are some things you need to watch out for.