Resume
Education
- BA (Hons) Industrial Economics, University of Nottingham
Previous Experience
- Finance Editor, Future
- Associate Editor, Moneyfacts
Tim is a lead writer at NerdWallet and holds the Chartered Insurance Institute (CII) Level 3 Certificate in Mortgage Advice. He has over 20 years’ experience writing about almost all aspects of personal finance. During his career at Moneyfacts, Virgin Money and Future, Tim has shared his high-level technical understanding of financial products and regulation with both consumer and IFA audiences.
The latest from Tim
What is a Joint Mortgage?
Joint mortgages are often taken out with a partner, but can also be taken out with friends and family. A parent may take out a joint mortgage with their child…
How Much is Stamp Duty?
How much stamp duty you pay as a homebuyer depends on many factors, including the property value and whether you already own a home.
How to Remortgage to Consolidate Debt
Remortgaging to consolidate debt involves borrowing more on your mortgage to pay off other debts. This can make it easier to manage debt and could help lower your combined monthly…
Mortgage Interest Rate Calculator
Our mortgage interest rate calculator estimates how much your repayments could change if interest rates rise or fall. It also allows you to compare different mortgage rates and terms.
Mortgage Repayment Calculator
A mortgage repayment calculator estimates how much your monthly mortgage repayments may be. Use our calculator to work out how much your mortgage may cost each month.
Mortgage Overpayment Calculator
Use our mortgage overpayment calculator to work out the savings you could make by overpaying and how much faster your mortgage could be paid off.
Mortgage Advice: Do I Need a Mortgage Broker?
The job of a mortgage adviser or broker is to help you find the best mortgage for your circumstances and needs. They may also apply for the mortgage and take…
What Does Loan-to-Value (LTV) Mean for a Mortgage?
The loan-to-value (LTV) ratio is your mortgage amount expressed as a percentage of the current value of the property being bought or remortgaged. The bigger your deposit or the equity…
No Deposit Mortgages: Getting a 100% Mortgage Without a Deposit in the UK
A no deposit mortgage may be an option if you’re struggling to raise the deposit for a home, though you’ll probably need a family member or friend to be your…
How Much Deposit Do You Need for a Mortgage?
A deposit of 5% is usually the minimum needed to get a mortgage to buy a home, but saving a larger deposit can help you secure a lower mortgage rate.
How Much Can I Borrow for a Mortgage?
Get an estimate of how much you could borrow for a mortgage using our mortgage borrowing calculator.
How Long Does a Mortgage Offer Last?
The home buying process can take a long time so it’s important to know how long your mortgage offer will last and your options if it’s about to expire.
First-time Buyer Stamp Duty Explained
As a first-time buyer you only need to pay stamp duty if the property you’re buying costs over £300,000. Even if it costs more, first-time buyer stamp duty relief means…
Equity Release or Remortgage: Which is Right For You?
If you’re an older homeowner who wants to unlock the equity in your home, equity release or remortgaging could both be explored.
What is a Buy-to-Let Mortgage?
A buy-to-let mortgage is a mortgage that you would use to buy a property to rent out. Your mortgage repayments should be covered by your rental income, but there are…