Mortgages

What is a mortgage?

Getting a mortgage is a major part of most property purchases. But what exactly is a mortgage and how does it work?

We’ve covered it all, including how to find the best deals and the costs involved.

What is a remortgage?

If your current mortgage deal is coming to an end, you’ll need to switch to avoid rolling onto your lender’s most expensive rate.

But what else do you need to know about remortgaging? Check out our complete guide.

How much does it cost to actually buy a house?

When it comes to money, there’s much more to buying a house than the purchase price.

Some of these costs can be significant and could derail your journey if you don’t budget for them. We’ve explained the most common so you know what to expect.

What’s going on with mortgage rates?

The mortgage market is a sensitive beast and it can be tricky work out what it’ll do next.

Experts at Tembo have explained exactly what’s going on with mortgage rates and what could happen in the next few months, to help you make the best decision.

What’s a mortgage broker?

A mortgage broker can be really helpful in securing the best mortgage rate and ensuring you get accepted in the first place.

But there are some things to be aware of as you go – here’s what you should know.

Stamp Duty explained

The property tax is complicated and hits you right at the end of your purchase.

You might be exempt altogether or you might have to pay more, depending on your circumstances. Here’s how it works and how much you’ll need to pay.

What do I need before applying for a mortgage?

Before you apply for a mortgage, there are some steps you can take to speed up the process and make yourself more attractive to lenders – and more likely to be approved.

Here’s what to do.

LTV and how it can save you thousands

Imagine a hack which could shave thousands of pounds off your mortgage in the long run.

Well, it’s not a dream! Check out our article that explains exactly how Loan to Value works and how it could help you make significant savings.

Lifetimes ISAs explained

This tax-free account could speed up the process of saving a deposit for your first home – thanks to the 25% government bonus.

But how do they work and and what’s the catch?

What’s happening to the base rate?

Every year the Bank of England base rate has the potential to go up or down eight times – which could have a significant impact on your mortgage and savings. Here’s the latest.