Mortgages guides
Conveyancing is the legal transfer of ownership of a property from the seller to the buyer. Read our guide to understand more about conveyancing and how to find Uswtich's best conveyancing quotes.
Learn moreFinding the size of mortgage you can get before you start house hunting is a sensible move and can help you set your budget.
Learn moreThe Islamic or halal mortgage process is slightly different, allowing customers to get finance to buy a home without paying any interest.
Learn moreTo get a mortgage you need to have at least a 5% deposit for a home as well as meeting affordability and credit score criteria with a lender.
Learn moreFixed rate mortgages rates are getting increasingly competitive, with rates at all time lows, but is 2015 the year to fix your rate?
Learn moreAre discounted mortgage deals too good to be true? Is a discount mortgage the best type of mortgages for you? What are the downsides? Read the Uswitch Guide.
Learn moreOffset mortgages can reduce the mortgage interest you pay and cut your mortgage term by years. Find out if an offset mortgage is right for you with Uswitch.
Learn moreA joint tenancy when home buying means you have joint ownership with someone else sharing the ownership, responsibilities and rights.
Learn moreThe cost of a mortgage is almost entirely defined by the interest rate, so the lower the rate, the cheaper your mortgage will be - Read the Uswitch Guide
Learn moreThe mortgage interest rate determines how much your monthly repayments will cost. The higher your interest rate, the higher your mortgage repayments.
Learn moreFind out more about how to build your own home. Building your own home could be cheaper than buying a house, but there's a lot to consider.
Learn moreA remortgage deal is a mortgage you can switch to from an existing mortgage and a buy to let mortgage is a mortgage you take out specifically for renting to tenants. Find out about buy to let remortgages here.
Learn moreEquity release involves unlocking the value of your property and turning it into cash. Find out all you need to know about equity release mortgages in our guide.
Learn moreIn the long run buying a home is usually better value than renting. Despite the large upfront costs that come with paying a deposit, legal and mortgage fees
Learn moreMortgages are typically most accessible to people aged between 25 and 40, who have a larger than average and reliable income and sizeable savings
Learn moreThe largest UK mortgage providers are often Lloyds, Santander, Nationwide, Barclays and Royal Bank of Scotland and HSBC
Learn moreYou should look to remortgage to a new deal when your current introductory mortgage rate is close to ending, but not before - Read the Uswitch Guide
Learn moreThe final true cost of you home move can be calculated when you consider and understand all fees associated with your mortgage - Read the Uswitch Guide
Learn moreLTV, or loan-to-value, is the size of mortgage compared to how much your property is worth. Do have enough equity to qualify for the best mortgage rates?
Learn moreTo apply for a mortgage you need as minimum as three months bank statements, proof of income and your passport or any other identification
Learn moreConsumer buy to let mortgages are regulated as residential mortgages aimed at 'accidental' or non-professional landlords
Learn moreDiscover the costs that could arise when buying your first home and how you could make your money go further
Learn moreA two year fixed rate mortgage will protect you against potential interest rate rises. Read all about the pros and cons of two year fixed rate mortgages.
Learn moreYour questions on tracker mortgages. Find out what a tracker mortgage is, see tracker mortgage rates and compare tracker mortgage deals with Uswitch
Learn moreIn this step by step guide to buying a home, we explain different steps that one needs to take before buying a home
Learn moreStamp Duty is a lump sum tax that is owed when purchasing a property or land that is valued over a certain amount.
Learn moreMortgage overpayments can save you thousands of pounds in interest, but there are some potential fees to consider before doing so - Read the Uswitch Guide
Learn moreYour bank already knows your circumstances and can get an idea of your reliability with less effort when it comes to assessing your mortgage application
Learn moreCan shared ownership mortgages be your best chance of getting a foot on the property ladder?
Learn moreIf you work for yourself as a freelancer or contractor or are classed as self employed and are looking for a mortgage? Read our self-employed mortgage guide
Learn moreSelf build mortgages can give you the financing you need to make that dream home a reality.
Learn moreA second home mortgage is a mortgage for buying a second home -Â not to be confused with getting a remortgage or second charge mortgage.
Learn moreLearn all about the largest and most common form of credit in the UK - a residential mortgage, helping millions of us buy homes.
Learn moreWhat is Rent to Buy? Find out if the government’s Rent to Buy right scheme is right for you, and how to find the right home for you.
Learn moreRemortgaging your property can offer a better deal on your monthly repayments or a chance to consolidate your debts. Compare remortgage deals with Uswitch.
Learn moreRemortgaging to buy a rental property, or buy to let property, could be one way to raise enough cash to get the deposit for a buy to let mortgage
Learn moreIf you are moving home you might be able to keep your existing mortgage and move it over to your new property - this is known as porting
Learn moreIs paying a mortgage off early always a good thing? We explain what your options are, and the benefits if you want to clear your mortgage ahead of time. We also explain what the alternatives are if the repayment penalty is just too costly.
Learn moreNo deposit mortgages are mortgages that give you a 100% Loan to Value ratio (LTV), aimed at customers who do not have a deposit to put up to buy a home
Learn moreMoving home can be among the most stressful things to do, but a lot of that stress can be mitigated by a bit of planning in advance.
Learn moreHow do mortgages in the UK work? Who are the biggest lenders and what do you need to know about the British mortgage market?
Learn moreMortgage affordability criteria requires a proof of regular salary, sufficient income enough to meet your mortgage repayments
Learn moreBuying a new build home off-plan you may find it a lot harder to get a mortgage than for a new build home that has already been built
Learn moreLearn more about financing holiday home properties. Looking for a holiday let mortgage? Find out if you could get a mortgage for a holiday home
Learn moreLooking for mortgage information? Use the mortgage guide for the essential facts you need to make an informed choice about your mortgage today.
Learn moreWe have put together a mortgage glossary to help even the experienced homeowner get to grips with all of the important terminology
Learn moreA repayment holiday is an agreement with a lender to allow you to take a break usually for a month or two or perhaps longer from your usual payment plan.
Learn moreThe mortgage market review is a fundamental change to the UK's mortgage market, but what is the mortgage market review or MMR?
Learn moreAre mortgage interest rates going up or down? What kind of mortgage has the best fixed rate, tracker, offset? Compare mortgage interest rates
Learn moreMortgages are often complicated products, with a lot to take into account. But, you can compare the cost of different mortgages by looking at monthly repayments.
Learn moreThe mortgage set up fee, also known as the mortgage arrangement fee, is the cost the bank or building society charges for setting up the mortgage
Learn moreRemortgaging to a new deal and new lender can save you lots of Money, it can also land you with Early repayment charges, exit fees and high SVR
Learn moreThe Bank of England base rate is the official borrowing rate and currently stands at 0.1%. This base rate influences UK interest rates, which can increase (or decrease) mortgage rates and your monthly repayments.
Learn moreInterest-only mortgages offer cheaper monthly repayments but what's the catch?
Learn moreA mortgage broker is a middleman between you and your mortgage lender, but do you need one? Find out what you need to know with Uswitch.
Learn moreSaving for a mortgage deposit typically takes around ten years and requires careful planning and discipline with your money
Learn moreIndependent mortgage advice is a helpful way of finding the right deal for you amid a complicated and overwhelming range of home buying options.
Learn moreGetting a second mortgage is a separate mortgage taken out on an additional or second property, leaving you with two concurrent mortgages to pay off.
Learn moreTo buy a house you need to set a budget, find a home you can afford, apply for a mortgage and transfer funds to the seller
Learn moreInvesting in buy to let property has become a popular in recent years, what do you need to know before you become a buy to let landlord?
Learn moreYour home's value can fluctuate according to the market, but you can also increase its value by taking a few steps. Our guide explains further.
Learn moreHaving the right amount of deposit to buy a house can make a huge difference in getting the best mortgage deal. Read on how to save for a mortgage deposit.
Learn moreWith fixed rate, variable rate or tracker rate mortgages, the option to pay interest only, capital, offset, finding the right mortgage can be difficult
Learn moreThe length of a mortgage offer will vary from lender to lender, but is usually valid for a period between around 3 months and 6 months.
Learn moreThe time it takes to get a mortgage will depend on a number of factors: having good credit rating, reliable and steady income, mortgage valuation survey. Find out more with our comprehensive guide.
Learn moreThe average deposit size to get a mortgage is generally 20% of the property value, which means you will likely need somewhere between £20,000 and £50,000
Learn moreDiscover what is needed to complete a successful mortgage application. What information lenders need to accept, process and approve your application
Learn moreA house valuation will tell you about the property and how much it might potentially cost. Our guide explains how to get a free house valuation.
Learn moreHome buying, moving and mortgage costs. Uswitch guide to all the costs of buying a house, including deposit, solicitor fees, stamp duty and conveyancing.
Learn moreFind out if you meet the criteria for a Help to Buy mortgage and learn more about the UK government's homeownership scheme.
Learn moreParents, families and friends can help out first time buyers with deposits, a guarantor mortgage or family offset mortgages. We reveal what's involved.
Learn moreMany first time buyers get help from their parents, but if you are being gifted a deposit, here are some things you need to watch out for.
Learn moreOnce you're over 50 your mortgage options begin to change, so it's worth carefully considering your options. Our guide shows you the options.
Learn moreGazumping is when a buyer had an offer accepted at the end of the purchase but the seller at last minute has decided to accept an offer from another buyer
Learn moreWhich mortgage is best for you? Read our guide to fixed rate versus standard variable rate mortgages and what mortgage interest rates mean.
Learn moreIs a fixed rate mortgage right for you? If you're not sure Uswitch is here to help. Find out all about the advantages and disadvantages
Learn moreFind the best 5 year fixed rate mortgage for you with the help of our guide and mortgage comparison service.
Learn moreEight excellent tips for first-time buyers. Things are tough for first-time buyers, learn how to find a mortgage, buy a house on the property ladder
Learn moreOur first time buyer guide will help you choose between a first time home buyer mortgage, help to buy mortgage, and other first buyer schemes.
Learn moreWhat is equity and how can you access it? We explain how you can remortgage to release equity, getting cash from your home.
Learn moreA mortgage broker is someone who compares the market for mortgages and provides impartial advice to help you find the right deal
Learn moreThe deposit protection scheme is a vital safeguard for the millions of tenants renting their property across the UK. Learn how it all works in our guide.
Learn moreCapital gains tax is a tax on the profit you make when selling or disposing of an asset. The tax is only the profit, i.e. the gains.
Learn moreHow to get a deposit for a house? Is taking out a loan for house deposit an option? Read our guide to find out more.
Learn moreYour credit score will be looked at when you apply for any type of mortgage and often have more stringent lending criteria to loans - Read the Uswitch Guide
Learn moreUnderstanding what mortgage and repayments you can realistically afford is essential to know what size property you can purchase & how much deposit you need
Learn moreA buy to let (or BTL) mortgage in the UK allows you to borrow money to purchase a property that you can rent out. You can find and compare buy to let mortgages with Uswitch, and try to find the best mortgage for your needs, whether that's a tracker, fixed or variable rate deal.
Learn moreBuild to rent refers to an emerging sector in the housing market involving large scale developments built mainly for the use by private renters
Learn moreA bridging loan is a form of financing that allows you to borrow money on a short-term basis in the gap between buying a new home and selling your old one.
Learn moreThe base rate is the UK interest rate set by the Bank of England. A change in the base rate is likely to affect your mortgage rate. By understanding what it is and how it works, you can avoid paying more than you need to.
Learn moreYour questions on bad credit mortgages answered. Bad credit mortgages do exist - find out how and where to get a mortgage if you have a bad credit history
Learn moreA cashback mortgage will give you a cash lump sum when you successfully apply for one, but catches do apply so make sure you know what to look out for.
Learn moreA 10 year fixed rate mortgage deal will fix your interest rates and monthly repayments at the same level for 10 years
Learn more