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Looking for answers to your mortgage questions? You’re in the right place. Our guides cover everything from how important your credit score is, to how to switch your mortgage. Wherever you are on your home ownership journey, we’re with you.

Explore our mortgage guides

First time buyer guide

Starting your home journey? This guide walks you through the basics and helps you take that first big step.

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Moving home guide

If you're planning a move, this guide explains how your mortgage might change and what to expect next.

schedule 4 min read

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Remortgage guide

Ready to remortgage? Learn how it all works and how to find a deal that suits you.

schedule 5 min read

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What do lenders look at when approving a mortgage?

Lenders look at more than just your income. Find out what matters most when they assess your application.

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What do mortgage lenders look for on bank statements?

Your spending habits tell a story. This guide explains what lenders look for on your bank statements.

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Defaults and CCJs: What they mean for your mortgage application

Had credit issues in the past? Learn how defaults and CCJs could affect your application and what you can do.

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What income can I use in my mortgage application?

Not all income is treated the same. Discover what lenders might consider and what income can’t be included.

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What is a credit score and how does it work?

Learn what your credit score means, how it’s calculated and what part it plays when you’re applying for a mortgage.

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How much does it cost to buy a home?

From deposits to legal fees, this guide breaks down the costs of buying a home so you can plan your budget.

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What is a decision in principle?

A quick look at what a decision in principle is, why it’s important, and how to get one before you apply.

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What different types of mortgage are there?

Fixed, tracker, discounted standard variable rate – explore the main types of mortgages and their pros and cons.

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What documents will I need to apply?

Get organised with this checklist of documents you’ll usually need when you apply for a mortgage.

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What is loan to value?

Understand how the loan to value works and what role it plays in your mortgage deal and deposit size.

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Stamp duty explained

Find out what stamp duty is, when you need to pay it and how much it could cost when buying a property.

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What is SVR and DSVR?

Learn what SVR and DSVR mean and how they affect your mortgage repayments.

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Finding the right home for you

Choosing a home is personal. This guide helps you think through what matters most before you make a move.

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Ways to reduce your mortgage payments

Looking to cut costs? Explore practical ways to lower your monthly mortgage payments and ease your budget.

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Remortgaging costs to consider

Remortgaging isn’t just about rates. Learn what fees and charges to expect so you’re not caught off guard.

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What is negative equity?

Understand what negative equity means, how it happens and what it could mean for your mortgage options.

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