The latest from Tim
Remortgage Costs and Fees Explained
Remortgage costs are the fees that you may have to pay when switching from your current mortgage to a new deal. These could include arrangement fees, booking fees, legal fees…
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.
What is a Remortgage & How Does Remortgaging Work?
Remortgaging involves changing your existing mortgage for a new deal, either with a different lender or your current one.
Porting a Mortgage Explained
Porting a mortgage is when you transfer your existing mortgage deal when you move to a new home, instead of taking out a new mortgage. Here’s how mortgage porting works…
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…
How Long Do Mortgage Offers Last?
If a lender makes you a mortgage offer, you'll typically have between three and six months before the offer expires.
What’s the Difference Between Freehold and Leasehold?
Most home buyers in the UK have two main options when it comes to property ownership: it will usually be offered freehold or leasehold. With freehold, you will own the…
Should I Overpay my Mortgage?
Making mortgage overpayments can help you save money in interest and clear your mortgage sooner. But first you should check if there are limits and charges on how much you…
What is a Mortgage Term and How does it Work?
When you apply for a mortgage, you will agree to a time frame for repaying the loan. This will affect how much you pay each month and over the lifetime…
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…
Self-Employed Mortgages: How to Get One and What You’ll Need
If you’re self-employed and are planning to get a mortgage, you’ll need your accounts to be in order and you may need to jump through a few extra hoops. Proof…
House Equity: What Is It and Why Does It Matter?
House equity is the difference between the market value of your home and the amount you owe on your mortgage and secured loans. So it’s how much you own of…
Personal Loan Calculator
Use our personal loan calculator to get an estimate of how much you could afford to borrow and what your monthly repayments would be.
How to Get a Business Loan
If you want to get a business loan, then it helps to be prepared. You’ll need to share details about your business’s finances and future plans, but there’s more to…