What Is a Mortgage Capacity Report? A Guide for Divorce and Family Court
What a mortgage capacity report is, why solicitors and courts use it in divorce, what it costs, how it differs from a mortgage-in-principle, and how to get one.
Mortgage
Home finance and mortgages
What Is a Green Mortgage?
A green mortgage rewards you for buying or improving an energy-efficient home, usually with a small rate discount or cashback tied to the EPC band.
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.
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.
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 But the rules changed in April 2025 and many buyers are still working from outdated figures.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.