69 articles tagged with Mortgage.
A practical guide to improving your UK credit score: how the three CRAs work, what affects your score, free checking tools, correcting errors, and mortgage prep.
When an interest-only mortgage ends, the full capital is due. Know your options: sell, remortgage to repayment, part-and-part, lifetime mortgage, or extending the term.
How the UK mortgage guarantee scheme works, which lenders offer 95% LTV mortgages, eligible properties up to £600,000, and how it compares to the Lifetime ISA route.
Start looking 6 months before your fix ends. How to lock a rate early, calculate ERCs, compare 2yr vs 5yr vs tracker, and decide whether to port or overpay first.
How a concessionary purchase or gifted equity deal works when buying property from a family member below market value in 2026/27, including mortgage, Stamp Duty and Inheritance Tax implications.
Farms and smallholdings need specialist agricultural mortgages, not standard residential products. Rates, deposits, land classification rules and worked examples for 2026.
How UK self-builders use bridging finance to secure a plot of land before their self-build mortgage completes in 2026/27, including costs and a worked example.
Bridging loans are fast but expensive. Full breakdown of interest rates, arrangement fees, exit fees, and when a bridging loan actually makes financial sense.
How lenders calculate the interest cover ratio (ICR) on buy-to-let mortgages in 2026/27, with a full worked example showing how much rent you need for a given loan size.
How HMO mortgages differ from standard buy-to-let lending in the UK for 2026/27 — licensing requirements, ICR rules, deposit expectations, and a worked example.
How first-time limited company buy-to-let purchases work in the UK for 2026/27 — SPV setup, mortgage criteria, deposits, and a worked tax comparison versus personal ownership.
A practical viewing checklist for UK first-time buyers in 2026/27 — what to check, what to ask, and the red flags that could mean expensive surprises later.
