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Rachel Lacey

Rachel Lacey

Rachel Lacey is a freelance journalist with 20 years experience. She specialises in personal finance and retirement planning and is passionate about simplifying money matters for all.

Rachel's picks

How to Remortgage to Release Equity

Remortgaging to release equity allows you to raise funds by accessing some of the value that’s built up in your home.
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The latest from Rachel

NHS Mortgage Options Explained

You may be looking for a specific NHS staff mortgage, and although there isn't an NHS mortgage designed just for NHS workers, some providers offer products that make the path to homeownership more flexible and affordable.
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Teacher Mortgage: Can You Get Special Mortgages for Teachers?

Despite there not being a specific teacher mortgage product, some lenders look favourably on the teaching profession and offer flexibility when assessing the affordability of mortgages for teachers. There are also schemes that could help if you’re a teacher who wants to get on the property ladder.
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Mortgages for Key Workers

The Key Worker Living Programme ended in 2019, but there are a number of other mortgage initiatives available to key workers to help them get on the property ladder.
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How to get a mortgage with non-traditional employment

Securing a mortgage can be hard if you are in non-traditional employment, such as on a fixed-term or zero-hour contract, but some lenders offer a fixed-term employment contract mortgage. Find out more about what is required, how to improve your chances of being approved and other help available.
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Can I Get a Mortgage on Benefits?

It is possible to get a mortgage on benefits as lenders count multiple sources of income. However, you will need to demonstrate that you can afford the loan repayments. Find out what benefits are accepted and how to improve your chance of having an application approved.
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How to Get a Mortgage on a Low Income

The minimum income you require for a mortgage will likely depend on how much you need to borrow but there are ways to boost your chances of a successful application.
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A Guide to Family Buy-to-Let Mortgages

You may wish to use a family buy-to-let mortgage to let a property out to a close relative, but there are still mortgage criteria that need to be met and tax implications to weigh up. Read this guide to learn what to consider before applying as well as some of the pros and cons of this type of deal.
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Student Mortgage: Can I Buy A House As A Student?

Getting a mortgage as a student – often called a buy-for-uni mortgage –could be an option iIf you are at university and would prefer not to rent. However, the criteria for a student mortgage is quite strict and you will usually need financial backing from your family to get one.
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What is the Teachers’ Pension?

The Teachers’ Pension Scheme is a defined benefit pension scheme that provides teachers with a guaranteed income for life when they retire. Read on to learn how the scheme works and what the benefits are.
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Mis-sold A Pension? Here’s What You Need To Know

If you have been mis-sold a pension, advisers could have provided you with incorrect, unsuitable or misleading information regarding the pension you took out. Read on to learn how to spot pension mis-selling and how to make a claim if you are affected.
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How to sell with equity release

If you have taken out an equity release plan, you might worry that selling your home is not an option. Fortunately, you can still relocate or downsize.
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How to Release Equity to Buy A Second Home

You can borrow against your current property to buy a new one either through remortgaging or by taking out equity release.
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How to Remortgage to Release Equity

Remortgaging to release equity allows you to raise funds by accessing some of the value that’s built up in your home.
Read more

How to Best Use Your Pension and Savings

Pension pots and savings accounts both save for the future. Knowing how they compare is key to using each most effectively.
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Should I Invest in Property or My Pension?

Property is an expensive investment. Pensions are supported by government tax relief, employer contributions and more. Both can help fund your retirement.
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