How Much Can I Borrow for a Mortgage in the UK? (2026 Guide)
How UK lenders work out how much you can borrow, typical income multiples, and simple ways to boost your borrowing power.
Read guideFirst-Time Buyer Guide UK 2026: Step-by-Step
Everything first-time buyers need to know: deposits, schemes, stamp duty relief, costs and the buying process from start to keys.
Read guideStamp Duty Explained: Rates & Thresholds for 2026
Current stamp duty (SDLT) rates for England and Northern Ireland, first-time buyer relief, second homes, and worked examples.
Read guideWhen Should I Remortgage? A Simple UK Guide
When to start looking, how to avoid your lender's standard variable rate, product transfers vs remortgaging, and costs to watch.
Read guideWhat Is a Mortgage in Principle and Do I Need One?
What a Mortgage (or Agreement) in Principle is, whether it affects your credit score, how long it lasts and how to get one.
Read guideSelf-Employed Mortgages: How to Get Approved in 2026
What lenders look for from sole traders, company directors and contractors, the documents you need, and how many years' accounts are required.
Read guideFixed vs Tracker Mortgage: Which Is Right for You?
The difference between fixed, tracker and variable mortgages, 2 vs 5 year fixes, and how to decide in plain English.
Read guideHow Much Deposit Do I Need for a House in the UK?
Minimum deposits, how loan-to-value affects your rate, 95% mortgages, gifted deposits and ways to save faster.
Read guideAdding a Family Member to Your Mortgage: What It Means (and the First-Time Buyer Trap)
How adding a parent or partner to your mortgage works, what joint borrower sole proprietor means, and why it could cost you first-time buyer benefits.
Read guide2-Year vs 5-Year Fixed Mortgage: Which Should You Choose?
The real pros and cons of 2-year and 5-year fixed rate mortgages — flexibility, certainty, fees and how your life plans should decide.
Read guideLTV Bands Explained: Why a Slightly Bigger Deposit Can Save You Thousands
What loan-to-value means, where the LTV band boundaries sit, and why a small extra deposit that drops you into a lower band can cut your rate.
Read guideGifted Deposit Mortgages: A UK Guide for Buyers and Families
How gifted mortgage deposits work, who can provide one, the evidence lenders request and the difference between a gift and a loan.
Read guideProduct Transfer vs Remortgage: Which Should You Compare?
A clear comparison of staying with your current lender through a product transfer and remortgaging to a new UK lender.
Read guideLimited Company Buy-to-Let Mortgages: What Landlords Need to Know
How limited-company buy-to-let mortgages work, lender checks, deposits, personal guarantees and why tax advice matters.
Read guideContractor Mortgages: Day Rates, Documents and Lender Criteria
How UK mortgage lenders assess contractors, including day-rate calculations, contract history, gaps and documents to prepare.
Read guideCompany Director Mortgages: Salary, Dividends and Retained Profit
How UK mortgage lenders assess limited-company directors and why salary, dividends and company profit can produce different results.
Read guideNew-Build Mortgage Guide: Reservation, Offers and Completion
A practical UK guide to new-build mortgage timelines, lender criteria, deposits, incentives and mortgage offer expiry.
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