9 articles tagged with Mortgage.
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.
Bought a derelict or uninhabitable property? You may have overpaid SDLT. Learn how to claim non-residential rates and reclaim thousands from HMRC.
How to choose between fixed and tracker mortgages in 2026, and whether a 2-year or 5-year fix is right for you — with break-even analysis and BoE rate forecasts.
The complete guide to completion day as a first-time buyer: what happens legally and financially, first-week admin checklist, and how to manage your new mortgage from day one.
How lenders calculate what you can borrow in 2026: income multiples, stress tests, credit scoring, self-employed applications and how to maximise your affordability.
Overpaying your mortgage saves interest and cuts years off your term — but it's not always the right move. Here's the maths for 2026 rates, compared against investing, with worked examples for £180k–£250k mortgages.
Paying an Early Repayment Charge to exit a high-rate fix early can save thousands — if the maths work. Here's the break-even calculation, current 2026 market rates, and when to wait instead.
The First Homes scheme offers first-time buyers a minimum 30% discount on new-build homes in England. Here's who qualifies, how SDLT works on discounted homes, and a full worked example.
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.