Mortgages And Home Finance
Mortgage overpayments are one of the most underrated ways to improve your finances. Overpaying can cut years off your mortgage, reduce the total interest you pay, and give you a powerful sense of progress. But most homeowners ask the same question: Is it better to overpay monthly, or make lump sum overpayments when you can? … Read more
Remortgaging is one of the easiest ways to save serious money as a homeowner, yet many people leave it too late and end up drifting onto an expensive standard variable rate. Others remortgage at the wrong time, pay unnecessary charges, or choose a deal that looks cheap on paper but becomes costly once fees and … Read more
Choosing between a fixed-rate mortgage and a tracker mortgage is one of the biggest money decisions you’ll make as a homeowner. Get it right and your payments feel predictable and manageable. Get it wrong and you can end up stressed, overpaying, or locked into a deal that does not fit your life. The internet often … Read more
If you’ve ever typed “How much can I borrow for a mortgage?” into Google, you’ve probably seen a quick calculator give you a number that looks exciting… then reality hits when a lender offers less (or asks for a mountain of paperwork). Here’s the truth: mortgage borrowing in the UK is not just a simple … Read more
Buying your first home in the UK is exciting, stressful, and expensive in ways nobody explains properly. Most first time buyers focus on the deposit, then get blindsided by fees, surveys, solicitor costs, moving costs, and the sheer number of decisions you have to make under pressure. This guide is designed to make the process … Read more