What happens when your fixed-rate mortgage ends?
What happens when your fixed-rate mortgage ends: moving onto the standard variable rate, why the SVR is so expensive, what you should do, when to act, your options and the loyalty penalty.
Can you remortgage before your fixed deal ends?
Can you remortgage before your fixed deal ends? Yes, but usually with an early repayment charge. How the charge works, when it might be worth it, doing the maths, securing a deal early and porting.
Should you remortgage or overpay your mortgage?
Should you remortgage or overpay your mortgage? They are different tools you can combine: what overpaying does, the annual allowance, when to prioritise each, doing both and weighing other goals.
Can you move home during a fixed-rate deal?
Can you move home during a fixed-rate deal? Yes. How porting keeps your fixed deal, the early repayment charge if you do not port, timing your move, borrowing more during a fix and if porting is declined.
Mortgage fees explained (arrangement, booking, valuation)
Mortgage fees explained: the arrangement or product fee, booking fee, valuation and legal fees, broker and transfer fees, early repayment and exit charges, adding the fee to the mortgage and fees versus the rate.
The mortgage application process explained
The mortgage application process explained: from an agreement in principle through finding a property, the full application, documents, valuation, underwriting and the mortgage offer to conveyancing and completion, and how long it takes.
Newly self-employed: mortgages with one year's accounts
Newly self-employed mortgages: the challenge of limited accounts, borrowing with one year or less, contractors and same-field continuity, moving from PAYE to self-employment, and strengthening a new business's application.
Lifetime ISA (LISA) for buying your first home
The Lifetime ISA (LISA) for buying your first home: how the 25% government bonus works, the £4,000 annual limit and £1,000 bonus, the £450,000 price cap, the rules, the withdrawal penalty and combining with other schemes.