Articles
We write about one thing: the money your mortgage costs you around the days that matter, and how to keep more of it. No jargon, no sales pitch dressed up as advice. If a piece helps, the free timeline turns it into your own numbers.
Crossing an LTV boundary can save you more than switching lenders does
Lenders price mortgages in loan-to-value bands, not a smooth curve. Crossing a boundary from 90% to 75%, or 75% to 60%, often beats anything you'll find by shopping lenders at the same LTV.
Read itAre you a mortgage prisoner? Here's how to check.
A clean payment record and still stuck on the SVR. What actually makes someone a mortgage prisoner, the FCA rule meant to free them, and why most banks still say no anyway.
Read itPorting your mortgage: the rules, and the catch
Your rate can move with you, in theory. In practice you have to requalify from scratch, and a meaningful number of ports fail on that step alone.
Read itWhat a 1% rate rise costs, by balance size
The Bank of England moves rates in headlines, not pounds. Here is what 0.25%, 0.5% and 1% actually add to a £150k, £250k or £400k mortgage each month.
Read itWhat is an SVR, and why does it cost so much more?
Not a formula, a decision each lender makes on its own. Why SVR sits so far above the base rate, what that gap costs in practice, and the rare case where riding it out for a few weeks beats switching.
Read itYour tracker deal is ending. Here's what changes.
No charge, no cliff-edge, but still a decision that costs money if you leave it too long. What happens when a tracker deal ends, and how to think about the base rate call.
Read itProduct transfer or remortgage? Here is how to tell.
The easy option and the cheap option are not always the same option. A worked comparison of what a product transfer costs against remortgaging elsewhere.
Read itThe 10% overpayment rule, explained
Most fixed deals let you overpay 10% a year for free, the allowance resets on a date, and what you don't use is gone. Here is how to make it work.
Read itYour fixed rate is ending. Here are your options.
Four choices, one cliff edge, and a six-month window most people miss. A clear walk through what happens when your fix ends and what to do about it.
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