Honest, straightforward UK mortgage guides
The viral takes on both sides are wrong. Real numbers from current UK mortgage rates and rents, the honest trade-offs, and the factors that actually decide it.
Read full guide →We break down exactly how lenders calculate what you can borrow, what the real limits are, and how to maximise your chances of getting the mortgage you need.
Read full guide →Find out exactly what income you need, how much deposit you'll require, and what your monthly payments would look like on a £300,000 property.
Read full guide →Everything you need to know as a first-time buyer in the UK — from saving your deposit to getting your keys, in plain English.
Read full guide →A clear, jargon-free guide to understanding how mortgage rates work, what influences them, and how even 0.5% difference can cost tens of thousands.
Read full guide →The pros and cons of each type explained clearly, and how to decide which is right for your situation in 2026.
Read full guide →Understanding how lenders make their decisions can make the difference between approval and rejection. Here's exactly what they look at.
Read full guide →We compare the real difference between deposit sizes — looking at rates, monthly costs, and total interest paid.
Read full guide →A less-than-perfect credit history doesn't necessarily mean you can't get a mortgage. We explain your options and how to improve your chances.
Read full guide →We explain the current rates, who qualifies for first-time buyer relief, and exactly how much you'll owe on any property price.
Read full guide →Your mortgage payment is just one part of the cost of owning a home. We break down everything you'll actually pay each month.
Read full guide →Receiving DLA, PIP, Carer's Allowance or Universal Credit doesn't mean you can't get a mortgage. We explain which lenders accept benefits, how much you could borrow, and the schemes designed to help.
Read full guide →Use our 5 free UK mortgage calculators — repayments, stamp duty, affordability, overpayments and deposit savings.
Open the calculators →