How mortgage porting works in 2026, when it saves you early repayment charges, the re-affordability check involved, and when a fresh deal beats taking your old rate with you.
How self-employed and freelance borrowers prove income for a mortgage in 2026, how many years of accounts or SA302s lenders want, and how to maximise your borrowing.
After Section 24, the 5% SDLT surcharge, higher mortgage rates and 18%/24% CGT, UK buy-to-let returns in 2026 look very different to 2010. Here's the honest profitability picture with worked numbers
Where are UK mortgage rates heading in 2026? We explain the Bank of England base rate outlook, how swap rates feed into fixed deals, and how to choose between a fixed rate and a tracker for your remortgage.
A step-by-step UK first-time buyer guide for 2026: deposit, LISA bonus, mortgage in principle, SDLT relief, conveyancing, surveys and completion — with realistic numbers.
How much house can you afford in the UK in 2026? Income multiples (4.5x, sometimes 5.5x), deposits, the affordability stress test, LTV bands and worked examples on £30k, £50k and £80k incomes.
What does it actually cost to move house in the UK in 2026? A full breakdown of stamp duty, conveyancing, surveys, removals, mortgage fees and the hidden extras, with a worked example.
FTB stamp duty changed April 2025: nil-rate reverted to £300k, purchase cap £500k. Real cost examples, Scotland LBTT, Wales LTT and strategies for London buyers.
How much deposit you need, how long it will take to save it, and the best accounts to use — including LISA bonus, stamp duty relief, and monthly saving tables.
Overpaying your mortgage by £200/month on a £200k, 25-year, 4.5% deal saves around £28,000 and cuts 5 years off your term. But the 10% annual limit, ERC traps, and low-rate fixed deals can change the maths. Full guide with worked examples.
At 4.5% mortgage rates and 6% expected long-run equity returns, mortgage overpayment vs investing is closer than ever. Here's the maths on £200/month — and the behavioural factors that often matter more
From 1 April 2025, the stamp duty nil-rate threshold for first-time buyers dropped from £425,000 to £300,000. If you are buying above £300,000, your bill has gone up — sometimes by thousands. Here is what changed, worked examples, and what it means for you.
