Mortgage

Learn how mortgage porting works in the UK, from taking your current rate to a new property, to early repayment charges, valuation, and affordability criteria.

Learn the rules and timeline around mortgage offer withdrawal in the UK, when lenders can pull an offer, and what it means if you've already exchanged contracts.

Understand the mechanics of mortgage overpayments vs savings interest, including ERC rules, PSA thresholds, ISA wrappers, and the tax variables that shape a genuine comparison.

Understand how offset mortgages work in the UK, how savings reduce mortgage interest, FSCS protection rules, ERC limits, and why the PSA doesn't apply to offset savings.

Traditional guarantor mortgages still exist in the UK but are increasingly rare. Learn how they work, how they differ from JBSP mortgages, and what legal protections apply.

A down valuation means a lender's surveyor has assessed the property at a lower figure than the price agreed. Here is how the system works and what it means.

Having a mortgage offer withdrawn is one of the most distressing events that can occur during a property purchase. Learn what happens and your rights.

Receiving a formal mortgage offer is just the beginning. Understand the legal, financial, and administrative stages between offer and completion in the UK.

Applying for a mortgage when self-employed involves standard products but different income verification. Learn what lenders expect from your accounts and trading history.

Understand standardized cost figures like APR and APRC for UK mortgages. Learn what these figures include, how they are calculated, and their limitations.

Facing the prospect of losing your home is one of the most serious financial situations. Here's how the repossession system works and what support is available.

When a relationship breaks down and one party wishes to remain in the family home, the legal and financial mechanics involved are complex.