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39 results for “mortgage rates”

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  UK Mortgage Rates in 2026: What’s Happening and Should You Fix Now?

  The Bank of England had been steadily cutting interest rates through 2025, fixed mortgage rates were edging downward, and most forecasters were pencilling in at least two more base rate…

  
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  When Will Mortgage Rates Go Down in the UK?

  In recent years, homebuyers and homeowners in the UK have been closely monitoring the mortgage market, asking the crucial question: when will mortgage rates go down? This article will explore…

  
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  How Buy-to-Let Mortgages Work for Landlords

  Buy-to-let mortgages operate under genuinely different rules to standard residential mortgages, reflecting their specific purpose: purchasing property to rent out rather than to live in yourself. Understanding these differences properly,…

  
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  Fixed vs Variable Rate Mortgages Explained

  A fixed-rate mortgage keeps your interest rate, and therefore your monthly payment, the same for an agreed period, typically two to five years, providing payment certainty.

  
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  First-Time Buyer’s Guide to Getting a Mortgage

  Getting your first mortgage involves navigating a process that can feel genuinely overwhelming, filled with unfamiliar terminology, multiple stages, and considerable paperwork. Understanding exactly what to expect

  
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  How Rising Mortgage Costs Are Affecting UK Homeowners — and How to Cope

  The reality of rising mortgage costs in the UK in 2026 is hitting a specific group of homeowners particularly hard: the estimated 1.8 million people whose fixed-rate deals are due…

  
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  What Is a Fixed-Rate Mortgage and Should You Get One?

  When you take out a fixed-rate mortgage, you agree to pay a specified interest rate for the fixed term. During this period, your monthly payment cannot change — rate rises…

  
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  How Much Deposit Do You Need for a Mortgage in the UK?

  The deposit question is more complex than "how much do I need to get a mortgage?" — the amount you save determines not just whether you can buy, but what…

  
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  First-Time Home Buyers Guide to Mortgages

  Get professions tips and advice on securing a mortgage as a first-time home buyers in the UK. Learn about the different options and how to find the best deal.

  
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  What Is a Building Society and How Does It Differ?

  A building society is a mutual organisation, owned collectively by its members, essentially its customers. This means a building society's priority, at least in principle, is serving its members well…

  
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  How to Save for a House Deposit Faster

  Saving for a house deposit is one of those goals that can feel simultaneously urgent and impossibly distant, particularly as property prices and rental costs both continue to demand a…

  
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  Remortgaging Guide: When, Why and How to Switch Your Deal

  If your remortgaging question right now is somewhere between "I know I should probably do something" and "I'm not sure where to start," you're in good company — around 1.8…

  
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  First-Time Buyer Guide: How to Get on the Property Ladder

  In the UK, you're legally classified as a first-time buyer if you have never previously owned a residential property, either in the UK or abroad.

  
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  Buy-to-Let in 2026: Is It Still Worth It After the Rule Changes?

  If you're trying to work out whether buy-to-let in 2026 still makes sense, you're asking this question at a genuinely pivotal moment — and it's worth saying upfront that the…

  
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  How to Save for a House Deposit in the UK

  Saving for a house deposit is the largest short-to-medium-term financial goal most people will have. It's also more achievable than it feels if you approach it with the right structure…

  
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  Why becoming a landlord is still a smart investment move

  Here, we provide some tips and pointers on why becoming a landlord is still a smart investment move in 2023.

  
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  Bank Rate Increase to 4% – What You Need to Know

  The Bank of England has raised the Bank Rate to 4%, resulting in potential impacts for borrowers and savers in the UK. Read our comprehensive guide to understand the implications…

  
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  Hidden Costs of Buying a Home Nobody Mentions

  Most first-time buyers focus heavily on saving their deposit, understandably, since it's typically the largest single sum involved. But the deposit is rarely the only significant cost in buying a…

  
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  What Is Remortgaging and When to Do It?

  Remortgaging is one of those financial moves that many homeowners eventually consider, yet often later than would have been ideal, frequently defaulting onto a lender's standard variable rate simply through…

  
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  How to Build Banking Habits That Actually Save Money

  The banking habits that save the most money over time are automating transfers to savings on payday, reviewing your account monthly for unused subscriptions, checking overdraft use regularly, and keeping…

  
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  Current Accounts vs Savings Accounts Explained

  Understanding the difference between current accounts vs savings accounts, and knowing how much to keep in each, is one of the simplest changes you can make to get more from…

  
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  Current Account Switch Bonuses: Which Banks Are Paying the Most in 2026?

  When you move your current account from one bank to another using the official Current Account Switch Service (CASS), some banks will pay you a cash bonus for doing so.…

  
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  What the Interest Rate Hold Means for UK Retirees and Pension Savers

  What the interest rate hold means for UK retirees and pension savers is actually one of the more practically important questions in personal finance right now

  
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  How Your Credit Score Affects the Interest Rate You’re Offered (And How to Improve It)

  Understanding how your credit score affects the interest rate you're offered is one of those pieces of financial knowledge that quietly saves — or costs — UK borrowers

  
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  Self-Assessment Tax Return Tips for the Self-Employed: Common Mistakes to Avoid

  Filling out a self-assessment tax return is one of those tasks that very few self-employed people in the UK actually enjoy, but the good news is that most of the…

  
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  Digital Banks vs High Street Banks: Where Should You Keep Your Money?

  Digital banks like Monzo and Starling are winning millions of customers away from Barclays and Lloyds — but are they actually better? We break down the real differences, the risks,…

  
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  Will Getting a Credit Card Help My Credit?

  Always keep in mind that using a credit card involves borrowing money. Because the money was never yours, to begin with, it's not like using a debit card. You'll have…

  
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  How a Personal Loan Works and When It Makes Sense

  A personal loan is one of the most straightforward forms of borrowing: a fixed amount, at a fixed rate, with a fixed monthly payment and a clear end date. This…

  
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  How to Rebuild Your Credit Score After Financial Difficulties

  Rebuilding your credit score after difficulties (missed payments, defaults, CCJs) follows a clear path: register on the electoral roll (can add 50-100 points within weeks); open and use a credit-builder…

  
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  What Costs Are Involved in Buying a Home Beyond the Purchase Price?

  Buyers regularly discover significant additional costs at various stages of the purchase process, and being unprepared for them can derail otherwise well-planned transactions.

  
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  What Is Shared Ownership and Who Is It Actually For?

  Shared Ownership is one of the most misunderstood housing schemes in the UK. The name implies living with someone else, but that's not what it means. You live in the…

  
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  Renting vs Buying a Home in the UK: What Makes More Financial Sense?

  The renting vs buying question is emotionally charged in the UK in a way it isn't in most European countries, where renting indefinitely is culturally normalised. Here, homeownership is often…

  
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  What Is Stamp Duty and When Do You Pay It?

  Stamp Duty surprises more first-time buyers than almost any other property cost. You've saved your deposit, secured your mortgage, and then discover there's another four-figure bill due at completion.

  
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  How to Build an Emergency Fund That Actually Protects You

  An emergency fund is 3-6 months of essential living expenses held in an easy-access savings account accessible within 24-48 hours. It protects you against income shocks (redundancy, illness)

  
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  Top Five UK Banks’ Quarterly Earnings Report: Analysis and Insights

  The top five UK banks' quarterly earnings reports provide valuable insights into the performance and trends in the banking industry. HSBC, Barclays, Lloyds, NatWest, and Standard Chartered all reported positive…

  
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  Investing in a House in the UK

  The most significant factors to consider when purchasing a home in the United Kingdom. Before purchasing a home in the UK, you should investigate the legal implications of the purchase…

  
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  Foundation Home Loans for Intermediaries: Understanding the Benefits for Your Clients

  Foundation Home Loans for intermediaries offers a range of benefits for intermediaries looking to provide their clients with the best possible mortgage options. With specialist lending products,

  
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  Understanding the Loan Market: What You Need to Know

  Explore the different types of loans available in the UK, from bank loans, P2P loans, short-term loans, and guarantor loans. Get expert advice on how to choose.

  
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  Mortgage Rates Today: What Moves Them

  Why UK mortgage pricing changes, how fixed and tracker deals differ, and what to do near the end of a fix.