Mortgage guides, advice and rates

Everything you need to take control of your mortgage

Your mortgage is likely to be the biggest financial commitment you’ll ever make, so it’s vital to get the best possible deal. This can be easier said than done however, especially with lots of jargon to get to grips with and various different costs and fees to factor in.

That’s why we’ve come up with all the essential mortgage information you need, whether you’re already a homeowner who’s looking to remortgage, or you’re trying to get on the first rung the property ladder, or invest in a buy-to-let property. So, let’s get started with what you’re looking for today…

Compare the best mortgage rates today

If you’re looking to find the best mortgage rates today or to get an idea for what mortgage you might be able to afford – take a look at our free mortgage rates comparison calculator. Enter a few basic details to compare the best deals available from the whole of market today. Update your options as you go, if you’d like to try out a few scenarios…

Mortgage guides and essentials

Our mortgage guides are designed to give you the essential knowledge you need to feel confident when considering your mortgage options. 

Whether you’re looking to refresh your mortgage knowledge, want to understand how mortgages work and where to start, or you’re looking for information related to your needs – our guides are here to help.

Getting mortgage advice

Your mortgage is a big commitment and an important financial decision, so it’s crucial to make sure you get the right mortgage advice for you. Whilst it’s always beneficial to do your own research, it’s almost always a good idea to get mortgage advice from an expert with in-depth knowledge of the market.

A mortgage advisor will typically have access to deals from a range of lenders and sometimes have exclusive offers only available to mortgage brokers. Seeking mortgage advice also offers extra protection, as you can complain to the Financial Ombudsman Service if your mortgage turns out to be unsuitable.

If you feel that you would benefit from expert advice, we’ve partnered with Fluent Mortgages to offer market leading, fee-free advice. You can arrange a call with a mortgage advisor below.

Remortgaging

If your current mortgage deal is coming to an end within the next 3-6 months, make sure you don’t move onto your current lender’s more expensive standard variable rate. It’s a good idea to start looking for your next mortgage deal a few months in advance, so you have time to weigh up your options and sort your new deal in time.

It can seem seem appealing to take what you’re offered by your current lender. However, it’s always worth checking the market to make sure you’re being offered a good deal. Take a look at the best deals available today with our remortgage comparison tool.

If you have more complex needs, find yourself in a different financial or life situation, or you’re looking to see what your options are – it’s always worth seeking expert mortgage advice first.

Equity release

Equity release is when you unlock some of the wealth tied up in your home in order to raise a cash lump sum. For some, it can be a useful way to raise funds to supplement retirement income, pay off an existing mortgage, fund home improvements, or gift money to family.

However, equity release products are high risk and should not be entered into lightly. Our equity release guides are here to help you understanding equity release, the risks and implications, what you should consider and how to get advice.

Buying a home or property

It’s often said that buying a home is one of the most stressful things you could do. There’s the complexities of navigating the market, negotiating with the seller, applying for your mortgage, sorting all the paperwork, and then uplifting your life to somewhere new. But once you get through that, it’s also one of the most exciting things you’ll do – turning the front-door key for the first time in your beautiful new home.

These guides are here to help you navigate the complex but rewarding process of purchasing a property.

Buy to let mortgages

A buy-to-let mortgage (or BTL mortgage) is specifically for those who purchase a property as an investment to put on the rental market. There are a number of differences to standard residential mortgages, such as affordability typically being based on expected rental income, rather than your personal incomings and outgoings.

If you’re thinking about buy-to-let as a way to invest your money and generate a passive income, our guides are here to help get you started. You can also check the best buy to let mortgage rates on the market today…

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