Help for Struggling Mortgage Holders: The Mortgage Charter Explained
If you're worried about your mortgage payments, the Mortgage Charter sets out specific, industry-wide commitments that go beyond standard regulatory…
Marsha Marcus-Kennedy
September 29th 2026
What Happens to Your Mortgage If You're Made Redundant
Redundancy is stressful enough without also worrying about your mortgage - but UK lenders have well-established processes for exactly this situation, and…
Marsha Marcus-Kennedy
September 27th 2026
What the Latest Bank of England Rate Decision Means for Your Mortgage
The Bank of England's Monetary Policy Committee (MPC) meets eight times a year to set the Bank Rate, and each decision ripples through the mortgage market…
Marsha Marcus-Kennedy
September 25th 2026
Moving Home in 2026: A Month-by-Month Budget and Mortgage Timeline
Moving home involves more overlapping deadlines and costs than most people expect going in. Here's a realistic month-by-month framework, drawing together…
Marsha Marcus-Kennedy
September 23rd 2026
Buy-to-Let in 2026: Is It Still Worth It After the Tax Changes?
Buy-to-let has become meaningfully less tax-efficient for individual landlords over the past decade, and further changes are already confirmed for 2027.…
Marsha Marcus-Kennedy
September 21st 2026
Self-Employed and Getting a Mortgage: What Lenders Actually Want to See
Self-employed mortgage applicants often assume the process is fundamentally harder than for employed borrowers - and while the documentation requirements…
Marsha Marcus-Kennedy
September 19th 2026
Mortgage Overpayments: How Much You Can Pay Without a Penalty
Overpaying your mortgage can meaningfully reduce the total interest you pay and shorten your term - but most deals limit how much you can overpay…
Marsha Marcus-Kennedy
September 17th 2026
Porting Your Mortgage: Can You Take Your Deal With You to a New Home?
If you're moving home partway through a fixed-rate deal, porting - taking your existing mortgage rate with you to the new property - can avoid an early…
Marsha Marcus-Kennedy
September 15th 2026
Your Fixed Rate Is Ending - What to Do Three Months Before It Expires
Letting a fixed-rate mortgage deal simply lapse onto your lender's Standard Variable Rate is one of the most common, and most avoidable, ways UK homeowners…
Marsha Marcus-Kennedy
September 13th 2026
Remortgaging Explained: When to Start the Process Before Your Deal Ends
Remortgaging - switching your mortgage, either with your existing lender or a new one - is one of the most valuable financial habits a homeowner can…
Marsha Marcus-Kennedy
September 11th 2026
Interest-Only vs Repayment Mortgages: What Happens at the End of the Term
The choice between interest-only and repayment mortgages fundamentally changes what happens at the end of your term - and interest-only mortgages, in…
Marsha Marcus-Kennedy
September 9th 2026
Guarantor Mortgages and Family Deposit Schemes: How They Actually Work
With average first-time buyer deposits running into tens of thousands of pounds, family support has become genuinely common - Savills research found 52% of…
Marsha Marcus-Kennedy
September 7th 2026
Should First-Time Buyers Use a Lifetime ISA or Save Outside One?
We've covered the Lifetime ISA's mechanics in detail elsewhere in this content library - this article looks specifically at whether it's the right home for…
Marsha Marcus-Kennedy
September 5th 2026
The Real Cost of a 95% Mortgage vs Waiting to Save a Bigger Deposit
With 95% mortgages now permanently available through the Mortgage Guarantee Scheme, first-time buyers face a genuine choice: buy now with a smaller…
Marsha Marcus-Kennedy
September 3rd 2026
Stamp Duty Explained: What You'll Actually Pay in 2026/27
Stamp Duty Land Tax (SDLT) is one of the largest upfront costs in buying property in England or Northern Ireland, and the rules changed meaningfully in…
Marsha Marcus-Kennedy
September 1st 2026
First-Time Buyer in 2026: A Realistic Step-by-Step Guide
Buying your first home involves more moving parts than most people expect going in. Here's a realistic, current step-by-step walkthrough - including the…
Marsha Marcus-Kennedy
August 30th 2026
Fixed vs Tracker Mortgages in 2026: Which Makes Sense Right Now?
The fixed-vs-tracker decision always comes down to the same underlying question - do you value certainty over the possibility of a lower rate - but the…
Marsha Marcus-Kennedy
August 28th 2026
How Much Deposit Do You Really Need in 2026?
The honest answer is: considerably less than the traditional 20% many people assume, though the size of your deposit still meaningfully affects your rate,…
Marsha Marcus-Kennedy
August 26th 2026
Mortgage Affordability Rules Explained: Why the Bank Offers You Less Than You Expect
It's a common and frustrating experience: you expected to borrow a certain amount based on a simple income multiple, but your mortgage offer comes in…
Marsha Marcus-Kennedy
August 24th 2026