Affording a Mortgage
Ways to secure mortgage funding and manage the costs of buying a home. Topics range from deposit saving to specialist mortgages for challenging circumstances.
Affordability Calculators
See how affordability calculators help UK lenders assess what you can actually borrow based on your full finances, not just income multiples.
Are You Classed as a Key Worker?
Key worker status covers nurses, teachers, police officers and social workers, but not all public sector jobs qualify, so check your role first.
Buying a Home with 100% Mortgage
You can buy a home without a down payment through a 100% mortgage, though lenders are stricter now than before.
Can I Lower My Mortgage Payments?
Several ways to reduce your monthly mortgage payments depending on your situation and options available to you.
Can My Mortgage Lender Change My SVR?
Your lender can change your SVR after your fixed rate ends, and it usually follows the Bank of England's base rate decisions.
Endowment Mortgages
Endowment mortgages use investment returns to pay off your mortgage balance at the end of the term instead of reducing it monthly.
Fees and Charges When Buying a Home
Buying a home comes with hidden fees beyond your mortgage, including financial advisor charges and other costs you need to know about upfront.
Foreclosure on a Mortgage
When your mortgage lender can take back your home through foreclosure and what happens during a possession order.
Getting a Deposit Together
Save thousands on your mortgage by building a property deposit instead of borrowing 100% of the purchase price.
Getting a Mortgage with a Bad Credit History
Yes, you can get a mortgage with bad credit, but you'll need to know what lenders accept adverse credit and how to improve your chances.
Joint Mortgages for Help with Buying a Home
Two people can apply for a joint mortgage together to afford a home purchase and potentially borrow more than they could alone.
Mortgage Guarantors
A guarantor mortgage lets first-time buyers borrow more by having a family member take on repayment responsibility if you can't pay.
Payment Protection
Payment protection insurance covers your mortgage and bills if you lose your job or can't work due to illness or injury.
Self-Cert Mortgages
Self-cert mortgages let self-employed people borrow without traditional pay slips by showing recent accounts instead.
Should I Go for a Discounted Mortgage Deal?
Weigh up whether a discounted mortgage rate is the right choice for your situation and risk tolerance.
The Return of 100% LTV: What Are the Risks?
100% mortgages are back but riskier than before—here's what you need to know about negative equity and lender safeguards.
Traditional Methods of Lending
How mortgages have evolved from simple borrowing arrangements to modern options like fixed rates and offset mortgages.
Using a Financial Advisor
A financial advisor helps you navigate mortgages and loans when buying property, whether through affiliated or independent advisors.
Ways to Help You Get a Mortgage
Get your finances in order before applying for a mortgage by improving your credit score and paying down debts.
Where Can I Get a 10% Deposit?
Most lenders want a 10% deposit, but you can build one from savings, family help, selling possessions or taking a loan.
Why Home Affordability Is at a Ten-year High
Mortgage affordability hits a ten-year high as low interest rates keep monthly payments down despite rising house prices.
Will I Get Repossessed if I Can't Pay My Mortgage?
Repossession isn't automatic if you miss mortgage payments, but talking to your lender early makes a real difference to what happens next.