Check out our helpful guides to have all of your burning questions about mortgages explained. Covering a wide range of topics, from mortgage terminology and statistics, through to sourcing reputable mortgage advice from a broker when you're looking to buy, move or remortgage your property:
The base rate is the UK interest rate set by the Bank of England. A change in the base rate may affect your mortgage rate.
In 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
Having a long-term illness or disability shouldn’t prevent you from getting a mortgage, but it is more difficult to get a mortgage on benefits alone. We'll look at all you need to know
Stamp duty is a tax applied to certain property purchases. Find out if it will affect you and how much you may have to pay.
Mortgage jargon and terminology used to describe the home buying process explained
Home buying, moving and mortgage costs. Uswitch guide to all the costs of buying a house, including deposit, solicitor fees, stamp duty and conveyancing.
If 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
Get the best self-employed mortgage for you. Plus, find out if it's harder to get one, how much you can borrow and what documents you need.
What is Rent to Buy? Find out if the government’s Rent to Buy scheme is right for you, and how to find a home under the scheme
A house valuation will tell you about the property and how much it is worth. Our guide explains the difference between a valuation and a survey.
The bank vs mortgage broker debate is the first focus for many getting a mortgage. Your bank might seem like an easier option, but is this limiting your options, and if so, how?
The mortgage mortgage arrangement fee, is the lender's charge for setting up a mortgage - we look at fee free or low fee mortgages and what to consider
The Islamic or halal mortgage process is slightly different, allowing customers to get finance to buy a home in compliance with Sharia law
Capital gains tax is a tax on the profit you make when selling or disposing of an asset. The tax is only charged on the profit, i.e. the gains.
Gazumping is when a seller accepts a better offer on their property after a sale has already been agreed with another buyer, but before contracts have been exchanged.
LTV, or loan-to-value, is the percentage you are borrowing of the property value when you get a mortgage. It affects the interest rates lenders charge.
To help you decide whether to fix your mortgage for 2 or 5 years, we explain the pros and cons of both options.
The time it takes to get a mortgage will depend on a number of factors, find out more with our comprehensive guide.
You may find it slightly more challenging to get a mortgage for a new build home, and there are some key things to consider. We share some tips to help you
Our guide looks at variable vs fixed-rate mortgages and how to decide which one is right for your circumstances.
Applying for a mortgage can be daunting, but our guide explains everything you need to know, including what documents you need and how a broker can help.
Understand the pros and cons of remortgaging with the same lender, and why it’s so important to compare mortgage deals before making a decision.
Your guide to understanding what a credit score is and how it could impact your mortgage application.
A lender will look at your credit history when you apply for any type of mortgage, but some base their decision more heavily on your credit score than others.
A second home mortgage is a mortgage for buying a second home - not to be confused with getting a remortgage or second charge mortgage.
Are you thinking about remortgaging? This guide explains what to expect during the remortgage process.
Learn all about the largest and most common form of credit in the UK - a residential mortgage, helping millions of us buy homes.
Saving for a mortgage deposit can be difficult for today’s first-time buyer. Find out how to save more quickly and effectively to get on the property ladder sooner than you think
Click here for the latest buy-to-let landlord statistics for 2024, including the regions with the most buy-to-let owners, background statistics, and more.
Discover the costs that could arise when buying your first home and how you could make your money go further
Is taking out a loan for a house deposit an option? We explain whether this is possible and how it could affect your chances of getting a mortgage.
What is equity and how can you access it? We explain how you can remortgage to release equity, getting cash from your home.
Everything you need to know about how long the eviction process takes, the law on evictions, and key statistics about average court times.
The latest UK remortgage facts and stats for 2024, covering UK remortgage rates data, cost increases, remortgage market figures, and more.
We’ve collated new and updated UK mortgage statistics for 2025, covering mortgage approvals, transactions, arrears, average mortgage debt, and more.
Whatever your reason for remortgaging, timing is everything. We look at when remortgaging can be most beneficial, and when it may be best to avoid it
Looking for a holiday let mortgage? Find out if you could get a mortgage for a holiday home and how to find the best rates available.
If higher mortgage rates or a change in circumstances has left you struggling to pay mortgage costs, we look at what happens if you can’t pay your mortgage
Is paying your mortgage off early always a good thing? We explain your options and the pros and cons of repaying your mortgage before the end of the term
Past 50 your mortgage options begin to change, but there are still plenty of options. Check out our guide to mortgages for older borrowers to find out more
A cashback mortgage will give you a cash lump sum when you successfully apply for one, but do they always offer the best value for money overall? We look at the answer
Investing in buy to let property can be profitable, but do you know all of the requirements of being a landlord and how to get started? Our guide will help
There are lots of different types of mortgages - our guide explains them all to help you decide the right option for you.
No deposit mortgages give you a 100% Loan to Value loan and are aimed at customers who do not have a deposit. We share whether these are still available and how to get one
Could a family assisted mortgage help get you onto the property ladder sooner? We explore how they work, who can get one and which lenders offer them.
Read our guide to find out everything you need to know about mortgage offers, from how long they lost and how they differ from a mortgage in principle.
The largest UK mortgage providers are often Lloyds, Santander, Nationwide, Barclays and Royal Bank of Scotland and HSBC
Having a clear plan of what you need to save for a house deposit can be helpful. We look at typical deposit costs and how to meet your savings goals
A repayment holiday is an agreement with your lender to take a break from your monthly mortgage payments, we look at how this impacts you in the long term
The deposit protection scheme is a vital safeguard for tenants and landlords alike, find out your responsibilities under the scheme as a residential landlord
A range of charges apply when you make a mortgage application. We look at what they cost, and if paying higher mortgage fees can save money in the long term
Finding out how much you can borrow before you look for a home is a good idea. We look at how lenders decide what size of mortgage they will offer you
Moving home is among the most stressful things to do, but much of that stress can be mitigated by planning in advance. Our advice will help!
Your 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.
A 10-year fixed-rate mortgage helps you secure the same interest rate on your mortgage for ten years. Get your best 10 year fixed rate mortgage rate & deal here.
Ready to buy your first home? We can help you find your best first-time buyer mortgage rates and deals here.
A 2 year fixed rate is a mortgage deal where the interest rate stays the same for two years. Find your best 2 year fixed mortgage rates here.
A 5 year fixed rate is a mortgage deal where the interest rate stays the same for five years. Find your best 5 year fixed mortgage rates here.
Uswitch helps you to compare the best buy-to-let mortgage rates and deals for your budget through our broker partner
A consumer buy-to-let mortgage is a type of buy-to-let mortgage that is regulated by the Financial Conduct Authority (FCA). We look at how they differ from traditional buy-to-let mortgages.
Learn about buying a home with someone else with a joint mortgage, and how to apply for one.
An interest-only mortgage is a deal where you only pay the interest on the amount you've borrowed each month. Get your best interest only mortgage rates here.
A tracker mortgage is a type of variable rate mortgage which follows a base rate. Compare the best tracker mortgage rates & deals here.
Help-To-Buy is designed to help first-time buyers buy a property with a 5% deposit. The government lends you between 5% and 20% of your home. Find out more.
Looking to help a loved one get on the property ladder? A Joint Borrower Sole Proprietor (JBSP) mortgage could be a good option for you.
A 95% LTV mortgage allows you to borrow up to 95% of your property value, a popular option for first-time buyers. Find your best 95% LTV mortgage rates here.
Learn more about guarantor mortgages and how they could help you get on the property ladder.
Take the first step towards buying a new home, or getting a new mortgage deal. Apply for a mortgage in principle here today.
A 60% loan to value (60% LTV) mortgage allows buyers to secure a property with a 40% deposit. Find the best 60% LTV mortgage rates & deals here.
Learn more about 100% LTV mortgages and how no deposit mortgages work.
Find out everything you need to know about second mortgages and see how they could help you use your equity to borrow more.
If you're considering a getting a mortgage from Barclays, it's a good idea to know a little more about them. We look at their product range and how to compare it with other lender's ranges, as well as providing helpful criteria guidance .
A fixed rate mortgage means your monthly repayments have a fixed interest rate for a period of time. Compare fixed-rate mortgage rates & deals here.
Santander is a popular choice for mortgages because it offers competitive rates and unique deals. Find out if Santander is the best mortgage lender for you.
HSBC is a popular choice for mortgages because it offers competitive rates and unique deals. Find out if HSBC is the best mortgage lender for you.
Halifax is a popular choice for mortgages because it offers competitive rates and unique deals. Find out if Halifax is the best mortgage lender for you.
85% loan to value (85% LTV) mortgages allow buyers to acquire a property with a 15% deposit. Find the best 85% LTV mortgage rates & deals here.
Compare the best 80% LTV mortgage rates & offers for 2026. No fees ✔️Compare over 60 lenders ✔️
Which lenders offer mortgages to over 50s? Plenty of mainstream banks and building societies such as NatWest, HSBC & Santander lend to over 50s. Find out more.
A 90% loan to value (90% LTV) mortgage allows buyers to secure a property with a 10% deposit. Find the best 90% LTV mortgage rates & deals here.
A let-to-buy mortgage is when you rent out your existing home and buy a new house to live in. Get your best let-to-buy mortgage rates & deals here.
Compare the best 75% LTV mortgage rates & offers for 2024. No fees ✔️ Compare over 70 lenders ✔️
A 65% loan to value (65% LTV) mortgage allows buyers to secure a property with a 35% deposit. Find the best 65% LTV mortgage rates & deals here.
A 70% loan to value (70% LTV) mortgage allows buyers to secure a property with a 30% deposit. Find the best 70% LTV mortgage rates & deals here.
A discount mortgage is where the interest rate is set at an amount below the lender's standard variable rate (SVR) for a set amount of time. Find out more.
A flexible mortgage enables you to make overpayments and underpayments to suit your financial situation. Get your best flexible rate mortgage rates & deals.
Moving home? We can help you transfer your current mortgage deal & rate to your new home. Find a moving home mortgage here.
An HMO mortgage is a type of specialist mortgage that is used to purchase houses in multiple occupations (HMOs). Find out more about HMO mortgage deals.
Compare the best commercial mortgage rates & offers for 2026. Our partner B2B finance can help you find the right deal.
Find the best lifetime mortgage rates & offers for 2026. Our partner is an expert in equity release and can find the right deals for you.
Our guide covers self-build mortgages, including what they are and eligibility criteria.
Compare the best equity release mortgage rates for 2026. Our partner Responsible Equity Release can help find the right option for you.
A poor credit history does not mean you can't own your own home. Find bad credit mortgage deals with our partner Advantage FS to find the best one for you.
Find the best mortgage rates & deals for over 60s in 2024. Our partner Advantage FS can find the right deal for you.
Learn about land mortgages and how they work
Find the best mortgage rates & deals for over 70s in 2024. Our partner Advantage FS can find the right deal for you.