Mortgage guides

First-time buyer guides, remortgaging advice and how to get the best rate on your UK mortgage.

Everything you need to know before applying for your first mortgage.

Income multiples, affordability rules and what lenders look at.

The pros and cons of each, in plain English.

Realistic options if your credit history is less than perfect.

When to remortgage, how it works and where you can save.

Schemes for first-time buyers and how to qualify.

Arrangement, valuation, broker fees — what each one is and what they cost.

Realistic timelines for offer, exchange and completion.