Understanding the Mortgage Market Amidst Turmoil
Mortgage rates are currently moving fast. Broker Michael Lawlor explains what’s driving changes, why deals fall through, and how to avoid getting caught out.
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Home finance and mortgages
Stamp Duty for First-Time Buyers: What You'll Pay in 2026
First-time buyers pay no stamp duty on the first £300,000. But the rules changed in April 2025 and many buyers are still working from outdated figures.
How Much Deposit Do You Need to Buy a House?
Most lenders need at least 5% deposit. But the amount you put down affects your rates, your monthly payments, and the total cost of your mortgage over time.
Mortgage in Principle Explained
A mortgage in principle shows how much a lender would likely offer you. It's not a guarantee, but estate agents expect one to take your offer seriously.
Stamp duty explained: What you pay, when, and why it changes by buyer type
Stamp duty explained for first-time buyers, home movers, second-home buyers and non-UK residents. Understand the bands, surcharges and what you’ll actually pay.
What to do if a lender downvalues a property you're buying
A lender downvaluation can feel like a deal-breaker, but it isn’t always. This guide explains why downvaluations happen and what your real options are.
Second charge mortgages explained
A second charge mortgage lets you borrow against your home without changing your existing mortgage. Here’s how it works, and when it’s worth considering.
Types of Mortgages Explained (With Real Examples)
Types of UK mortgages explained with clear examples — fixed, tracker, discount, offset, interest-only, shared ownership and family-assisted options.
Mortgage Broker Fees Explained: What You're Paying For (and When)
Mortgage broker fees explained: what they charge, why, and when you should pay them. Learn what’s normal, what’s fair, and how to avoid surprises.