Free Resources

Mortgage Guides

Free guides and resources to help you understand mortgages. Knowledge is power when it comes to one of life's biggest financial decisions.

In-Depth Guides

Comprehensive Mortgage Guides

Detailed guides covering every type of mortgage and situation.

First-Time Buyer's Guide

Everything you need to know about buying your first home, from saving a deposit to getting the keys.

  • Deposit requirements
  • Government schemes
  • The buying process
  • Costs to budget for
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Buy-to-Let Guide

A comprehensive guide to property investment and buy-to-let mortgages.

  • Rental calculations
  • Tax implications
  • Limited company purchases
  • Portfolio lending
Read Guide
Remortgage Guide

When and why to remortgage, and how to get the best deal when switching.

  • When to remortgage
  • SVR vs fixed rates
  • Equity release
  • Early repayment charges
Read Guide
Self-Employed Mortgages

How mortgages work for sole traders, contractors, and company directors.

  • Income calculation
  • Required documents
  • Accounting tips
  • Specialist lenders
Read Guide
Bad Credit Mortgages

Options available if you have CCJs, defaults, or other credit issues.

  • What counts as bad credit
  • Improving your chances
  • Specialist lenders
  • Rebuilding credit
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Quick Reference

Quick Guides

Short, focused guides on specific mortgage topics.

Documents Checklist

A complete list of documents you'll need for your mortgage application.

Understanding Fees

All the costs involved in getting a mortgage, from arrangement fees to stamp duty.

The Timeline

How long each stage of the mortgage process takes, from application to completion.

Affordability Explained

How lenders decide how much you can borrow and what affects your borrowing power.

Joint Mortgages

Everything you need to know about buying with a partner, friend, or family member.

Protection Insurance

Why mortgage protection is important and the types of cover available.

Jargon Buster

Mortgage Glossary

Common mortgage terms explained in plain English.

LTV (Loan to Value)

The percentage of the property value you're borrowing. Lower LTV = better rates.

Fixed Rate

An interest rate that stays the same for a set period (usually 2-5 years).

SVR (Standard Variable Rate)

The lender's default rate after your fixed deal ends. Usually higher.

Agreement in Principle (AIP)

A preliminary approval showing how much a lender might lend you.

Equity

The portion of your home you own outright (value minus mortgage).

Early Repayment Charge (ERC)

A fee for paying off your mortgage early or overpaying beyond limits.

Arrangement Fee

A fee charged by lenders to set up your mortgage. Can be added to loan.

Conveyancing

The legal process of transferring property ownership.

Try Our Mortgage Calculator

Get an estimate of your monthly payments and see how much you could borrow with our free mortgage calculator.

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Still Have Questions?

These guides are just the start. Book a free consultation and I'll answer all your mortgage questions and explain everything in detail.

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