Mortgages guides
Plain-English guides to UK mortgages — rates, deposits, remortgaging, affordability and the costs of buying a home.
UK Mortgage Rates 2026: What to Expect and How to Compare
A plain-English guide to mortgage rates in the UK: what drives them, fixed vs tracker deals, a worked example of monthly costs, and practical ways to secure a better rate when buying or remortgaging.
Laura Michelle Davis · 22 May 2026
Should You Overpay Your Mortgage? The Pros, Cons and Maths
A mortgage overpayment can save you thousands in interest and shave years off your term, but it is not always the smartest move. Here is the maths, the trade-offs and when to think twice.
Laura Michelle Davis · 19 May 2026
No-Deposit and 100% Mortgages: Are They Real in 2026?
No deposit mortgages and 100% mortgages do exist in the UK, but they work very differently from how most people imagine. Here is an honest look at how they work, who they suit and the real risks.
Laura Michelle Davis · 11 May 2026
Mortgage in Principle: What It Is and How to Get One (2026)
A mortgage in principle is a lender's early estimate of how much it might lend you. Learn what an AIP is, how to get one, how long it lasts and whether it affects your credit score.
Laura Michelle Davis · 8 May 2026