Which Type Is Right for You? Choosing between a fixed-rate and variable-rate mortgage is one of the most important decisions you’ll make when arranging your

Your deposit is one of the biggest factors in determining what mortgage deals you qualify for, what interest rate you receive, and how much you

Before you start viewing properties or speaking to estate agents, it helps to understand how much you can realistically borrow. The amount a lender will

A Complete Guide to Buying with a 5% Deposit Saving a large deposit can be one of the biggest challenges for first-time buyers and home

Mortgage calculators are popular, but in 2026 they often give a false sense of certainty. While useful for rough estimates, they do not reflect how

Online calculators often suggest optimistic borrowing figures, but real mortgage affordability in 2026 is far more complex. Lenders assess income, outgoings, and long-term risk before

Mortgage approvals in 2026 are driven by behaviour, risk, and long-term affordability — not just income and credit scores. Income Stability and Quality Lenders prefer

In 2026, many homebuyers are still surprised to see mortgage applications rejected despite having an Agreement in Principle (AIP). An AIP can feel like approval,

The UK property market has gone through one of the most unpredictable periods in recent memory. Rapid interest rate rises, slowing house prices, tightening affordability

The UK mortgage market has gone through one of the most volatile periods in recent years, with interest rates rising sharply before finally beginning to