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…

If you’re looking to mortgage rates available 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 deals available from the whole of market today. Update your options as you go, if you’d like to try out a few scenarios…

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.

Speaking to an experienced mortgage advisor can help you to understand your options and get a great deal on your mortgage. If you’re looking for somewhere to start, you can speak to a Rest Less Mortgages advisor and get high quality advice** on standard, retirement interest-only and buy-to-let mortgages.

Our mortgage basics 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.

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.

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’re looking for mortgage advice, you can speak to a Rest Less Mortgages advisor and get high quality advice** on standard, retirement interest-only and 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…

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.

You could see how much you could unlock from your home with our free, easy to use equity release calculator.

Retirement interest-only mortgages (RIO) are designed for borrowers aged 55 and over who are approaching retirement. They enable you to make interest payments indefinitely, and the mortgage capital only has to be repaid when you die or move into long-term care.

Find out more in our guide How retirement interest-only mortgage work.

If you’re looking for mortgage advice, you can speak to a Rest Less Mortgages advisor and get high quality advice** on standard, retirement interest-only and buy-to-let mortgages.

Renting

Renting a property remains a popular option for those over 50, and it comes with its own unique set of financial considerations. Our guides are here to help you understand the ins and outs of renting, from your rights as a tenant to resources if you are struggling to pay rent.

Mortgage advice in locations near you

Our mortgage advice guides can help you understand the average sold prices of properties in popular locations and give you some insight into what its like to live there.

Get expert mortgage advice**

If you’d like to talk to someone about your mortgage, you can get high quality advice on standard, retirement interest-only and buy-to-let mortgages from a Rest Less Mortgages advisor.

Get expert mortgage advice**

Head over to our money community forum and ask a question, or see what other Rest Less members are posting.

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