mortgage

Overpaying your mortgage could mean you’re mortgage-free sooner, but did you also know it could save you thousands of pounds in interest? If you have a direct debit set up, it’s easy to think of your mortgage as a set cost that you can’t change. However, it’s often possible to make overpayments regularly or as a one-off lump sum. Even ...

When you’re buying a property, Stamp Duty can be a significant expense that you need to consider. So, read on to find out when the tax is paid and how to calculate a potential bill. According to data published in IFA Magazine in June 2025, the government collected £14.1 billion in Stamp Duty in the 12 months to the end ...

There are now several 100% mortgages available to choose if you don’t have a deposit. First-time buyers are sure to welcome the news, but before you opt for a mortgage with zero deposit, there are pros and cons to weigh up. A 100% mortgage means you’re able to borrow the full value of the property you want to buy through ...

As inflation stabilised following a period of prices rising more rapidly than usual, there were expectations that the Bank of England’s (BoE) base interest rate would be cut throughout 2025. However, a potential trade war could mean the opposite happens and lead to higher mortgage outgoings for millions of homeowners. Read on to find out how inflation and interest rates ...

Applying for a mortgage, whether you’re buying your first home or remortgaging, can feel like a daunting task. While you might be putting it off, tackling it sooner could save you money and make it well worth your while over the long term. As mortgage advisers, we’re here to help you find the right mortgage for your needs, and offer ...

Even if your current mortgage deal doesn’t expire for a few months, searching the market now could be worthwhile and might even save you money. You can usually lock in a new mortgage deal up to six months before your existing one ends. While it might seem like a non-essential task right now, tackling it sooner rather than later could ...

Finding a mortgage with a poor credit score may seem like an uphill battle, but it isn’t impossible. If you’re an aspiring homeowner but are worried about how your credit report could affect your chances, read on to discover some of the steps that might help. 1. Save a larger deposit As lenders will view you as more of a ...

Preparing to buy your first home can be exciting, but it might also be a milestone you’re feeling apprehensive about. Not only will you be making a large financial commitment, but the process of buying a property can seem complex and filled with jargon. Indeed, according to a survey from Halifax, more than half of under-35s admit they don’t feel ...

Interest rates are expected to fall in 2025. If you’re a homeowner, it could present an opportunity to reduce your mortgage repayments and boost your finances overall. The Bank of England (BoE) increased the base interest rate when inflation was high as a way to slow down the rising cost of goods and services. Between December 2021 and August 2023, ...

During the Autumn Budget, chancellor Rachel Reeves unveiled an increase to Stamp Duty that could affect buyers of second homes and property investors. The temporary higher thresholds for Stamp Duty are also set to end in 2025 and could lead to larger tax bills when buying property. Read on to find out what you need to know about the tax. ...