UK mortgages made simple, so you can borrow with confidence.

Specialist

Is your mortgage less than straightforward? Our specialist mortgage guides cover self-employed and contractor applicants, bad credit and complex income, and unusual properties like non-standard construction, listed buildings and self-builds. Understand how lenders assess these cases, what evidence you need and which lenders to approach, so a less typical situation need not stand between you and a mortgage.

Guarantor and family-assist mortgages explained

Guarantor and family-assist mortgages explained: how a guarantor helps, springboard and joint borrower sole proprietor mortgages, savings-linked options, the risks to the helper and who they suit.

14 June 2026 6 min

Equity release interest roll-up explained

Equity release interest roll-up explained: what roll-up means, how compounding makes the debt grow, an example, why the fixed rate makes growth predictable, how to slow it, and the no-negative-equity guarantee.

14 June 2026 6 min

How to save a deposit for your first home faster

How to save a deposit for your first home faster: setting a target, budgeting, using a Lifetime ISA, choosing the right savings account, cutting big costs, boosting income and family help.

13 June 2026 6 min

Joint borrower sole proprietor (JBSP) mortgages explained

Joint borrower sole proprietor (JBSP) mortgages explained: more borrowers than owners, how families use them to boost borrowing, the stamp duty advantage, how they differ from joint and guarantor mortgages, and the helper's responsibilities and risks.

7 June 2026 6 min

Mortgages for older borrowers

Mortgages for older borrowers: whether older people can get a mortgage, lenders' age limits, lending into retirement, the term in later life, retirement interest-only mortgages, equity release and choosing the right option.

4 June 2026 6 min

Non-standard construction mortgages

Non-standard construction mortgages: what counts as non-standard, why lenders are cautious, examples from timber frame to PRC, defective property, fewer lenders and bigger deposits, the importance of surveys and how to approach it.

25 May 2026 6 min

Self-employed mortgages: how to get one

Self-employed mortgages explained: what counts as self-employed, how income is assessed for sole traders, directors and contractors, the accounts and documents needed, the tax trade-off, deposit and credit, and using a broker.

23 May 2026 6 min

Remortgaging a buy-to-let property

Remortgaging a buy-to-let: the same principles as a residential remortgage, why landlords do it, how rental cover is reassessed, releasing equity to expand, early repayment charges, interest-only and timing.

23 May 2026 6 min

Equity release pros and cons

The pros and cons of equity release: the advantages of tax-free cash, staying in your home and no monthly payments, against the disadvantages of compounding cost, reduced inheritance, effects on benefits, and why to consider alternatives.

11 May 2026 6 min

Mortgage jargon explained: a glossary

Mortgage jargon explained: a glossary of common terms grouped by topic, from getting-started terms like LTV and equity, to rate, repayment, application, cost and moving terms, so you can understand your options with confidence.

11 May 2026 6 min

Do first-time buyers pay stamp duty? Relief explained

Do first-time buyers pay stamp duty? The relief explained: no stamp duty up to £300,000, 5% to £500,000, none above, who qualifies, worked examples, and how and when you pay.

5 May 2026 6 min

What lenders look at for a mortgage

What lenders look at for a mortgage: your income and affordability, credit history, deposit and loan-to-value, outgoings and debts, employment and income type, and the property and your age and term.

1 May 2026 6 min