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Knowledge Hub

Mortgage Hub
everything you need to know

Browse our complete library of mortgage guides, tools and resources. From first steps to expert strategy, it's all here.

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3
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Getting Started

New to mortgages? These guides cover everything from how a mortgage works to the conveyancing process, in plain English.

How Mortgages Work
Your plain English introduction to rates, terms, repayment types and the overall mortgage journey.
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First-Time Buyers Guide
Step by step guide to buying your first home, from saving your deposit to collecting the keys.
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How Much Can I Borrow?
Use our borrowing calculator to estimate your maximum mortgage based on income and deposit.
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Understanding Your Credit Score
What lenders look for, how to check your score, and practical steps to improve it before applying.
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Surveys & Valuations
The difference between a mortgage valuation, homebuyer report and full structural survey, and which you need.
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Conveyancing Explained
What conveyancing is, how long it takes, what costs to expect and how to keep things moving.
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Find your fit

Mortgage Types

Every borrower's situation is different. Explore in depth guides for each mortgage type we arrange, from standard residential to complex specialist cases.

Residential Mortgages
Mortgages for properties you'll live in. First purchase, home moves and remortgages all covered.
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Buy to Let Mortgages
Investment property finance. How rental income is assessed, LTV limits and top tips for landlords.
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Remortgage
When to remortgage, how to switch lenders, potential savings and the full process explained.
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Self-Employed Mortgages
How lenders assess self employed income. Sole traders, directors and partnerships all covered.
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Contractor Mortgages
Day-rate and fixed term contractors. How your income is calculated and which lenders work best.
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Adverse Credit Mortgages
CCJs, defaults, missed payments. Find out which specialist lenders can help and what to expect.
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Expat Mortgages
Buying UK property from abroad. Income in foreign currency, lender criteria and the application process.
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Let to Buy
Renting out your current home to buy a new one. How the dual mortgage arrangement works.
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LTD Co. Buy to Let
Purchasing investment property through a limited company. Tax advantages, criteria and key considerations.
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Specialist Mortgages
Complex cases, unusual properties and niche lending situations. Our specialist advisors explain the options.
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Dig deeper

Understanding Mortgage Products

Once you know the mortgage type you need, these guides help you choose the right rate, deal period and repayment structure.

Rate Types (Fixed vs Tracker)
Fixed, tracker, variable and discount rates. What each means for your monthly payments and certainty.
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Rate Period
2-year, 5-year or longer? How your initial deal period affects your rate, costs and flexibility.
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Repayment Types
Capital repayment, interest only and part and part. How each works and which is right for you.
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Overall Mortgage Term
25 vs 30 vs 35 years. How the length of your mortgage affects monthly costs and total interest paid.
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Overpayment Strategy
How making regular or lump sum overpayments can dramatically reduce your term and total interest bill.
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Mortgage Offers & Expiry
What a mortgage offer is, how long it lasts and what to do if yours is about to expire before completion.
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Run the numbers

Our Calculators

Five free tools to help you plan your mortgage with confidence. Quick estimates, no personal data required.

How Much Can I Borrow?
Enter your income and deposit to calculate an estimated maximum mortgage amount.
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Monthly Repayments
Calculate your estimated monthly mortgage payment based on loan size, rate and term.
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Deposit Calculator
Work out how much deposit you need and how your LTV ratio affects your available rates.
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Stamp Duty Calculator
Instantly calculate your Stamp Duty Land Tax liability, including first time buyer and second home rates.
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Overpayment Savings
See how much time and interest you can save by making regular or one off overpayments.
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Not sure where to start?
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Our advisors will take the time to understand your situation and point you in the right direction. No obligation, no jargon.

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