33 articles tagged with Mortgage.
Using a residential mortgage for a property you actually let out as a holiday home can breach your mortgage terms. How holiday let mortgages differ in affordability, deposit and rates in 2026/27.
What the Mortgage Charter commitments mean for UK mortgage borrowers struggling with repayments in 2026 — payment holidays, term extensions and protection from forced repossession.
Learn how to calculate gross yield, net yield, and ROI for buy-to-let investments. Compare UK rental yields by city and use our worked examples to assess your property investment.
June 2026 UK house price data: regional analysis (London, South East, North West, Scotland), price-to-income affordability ratios, first-time buyer vs home mover patterns, and H2 2026 forecast.
Offset mortgages let savings reduce interest (no tax on offset savings). Standard mortgages allow 10% annual overpayment. We compare both strategies for a GBP 200k mortgage at 4.5% over 10 years with worked examples.
Calculate Early Repayment Charges, break-even points, and find the right time to remortgage. Learn when locking in early, using a broker, and porting your mortgage makes sense.
BoE base rate at 4.25% in May 2026 with cuts expected. Should you fix at ~4.2% for 2 years or track the base rate at ~4.65% and ride cuts down? Full break-even maths on a £250,000 mortgage.
UK conveyancing guide 2026: typical 12–16 week timeline, solicitor fees £1,500–£3,000, searches, exchange vs completion, gazumping, and how to speed up the process.
From exchange of contracts to completion day: what to expect in the final weeks of buying your first home, including building insurance from exchange, the completion statement, booking removals, and final checks.
Shared ownership UK 2026: buying 25–75% of a home, how staircasing works, SDLT on every purchase, service charges, lease extension costs, resale restrictions, and when it actually makes financial sense.
What UK lenders check when assessing how much you can borrow in 2026, how the affordability stress test on a higher rate works, and how debts and childcare reduce your limit.
The typical buy-to-let deposit in 2026, how rental cover (ICR) stress tests cap your loan, and why higher-rate landlords often need a 25% deposit or more.
Work out the right level of life cover for your mortgage, income and dependants in 2026, with the difference between level term, decreasing term and whole-of-life explained.
The real cost difference between interest-only and capital repayment mortgages in 2026, who qualifies for interest-only, and how the repayment vehicle requirement works.
Whether the price premium on UK new-build homes pays off in 2026, weighing warranties, energy efficiency and lower bills against resale value and snagging risks.
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.
How divorce financial settlements work in England & Wales 2026: pension sharing vs earmarking, clean break orders, the 50/50 myth, CETV calculations, mortgage implications.
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.
Should you overpay your mortgage or pay into a pension in 2026? A clear framework comparing tax relief, guaranteed returns, employer matching and risk for UK savers.
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
Monthly cost of a £250,000 mortgage in 2026: from £1,316 (4% over 25yr) to £1,610 (6% over 25yr). Full repayment tables by interest rate, term, and LTV band.
Monthly cost of a £300,000 mortgage in 2026: from £1,583 (4% over 25yr) to £1,932 (6% over 25yr). Full repayment tables, salary requirements, and LTV guide.
UK average prices near £297k, base rate at 4.25%, supply still short. A data-driven framework to decide whether to buy in spring 2026 or wait for rate cuts.
Tracker mortgages move with the Bank of England base rate; fixed deals lock your rate for 2–5 years. In 2026 with base rate at 4.25% and swap rates falling, the tracker vs fixed decision is finely balanced. Full analysis.
With UK base rate at 4.25% in May 2026, is a 2-year fix or a 5-year fix the better bet? Full numbers on a £250,000 mortgage including break-even rate scenarios, ERC risks and remortgage costs.
Non-UK resident buyers of residential property in England or Northern Ireland pay a 2% SDLT surcharge on top of normal rates — and the 5% second-home surcharge stacks. Full breakdown with worked examples.
On a £40,000 UK salary, most lenders will offer between £160,000 and £180,000 — but joint applications, debt, and rate stress tests can shift that by £50,000 either way. Here's the maths.
The Bank of England's MPC has held the base rate at 4.25% in May 2026. Here's what it means for trackers, SVRs, fixed-rate remortgages, and savings — with numbers on a £200k mortgage.
Beyond the deposit, a UK first-time buyer in 2026 typically spends £4,000–£8,000 in fees, surveys, taxes and moving costs. Here's the full itemised list with realistic numbers on a £250k purchase.
Part 4 of our Spring Budget 2026 deep-dive — SDLT thresholds, first-time buyer relief, second-home surcharges, the housing market response and what it means for buyers, sellers and landlords.
