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.
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Home finance and mortgages
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.
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.
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.
Self-Employed Mortgages: How They Work and What Lenders Actually Look For
Self-employed? Getting a mortgage isn’t harder, it’s just more paperwork. Here’s how lenders assess your income and what strengthens your application.
Mortgage Valuations Explained: What They Are, How They Work, and What Buyers Should Expect
A mortgage valuation checks the property’s value for the lender, not you. Here’s how valuations work, why they go wrong, and what to do if yours comes back low.
How Your Credit Score Affects Your Mortgage (and What You Can Do About It)
Understand how your credit score impacts mortgage rates, borrowing limits, and your chances of approval, with steps to improve your file.
Mortgage Deposits Explained
A clear guide to mortgage deposits: what they are, how much you need, and why they matter when buying a home in the UK.