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.
Offset mortgages: how the saving is calculated, and who it's worth it for
An offset mortgage charges interest on your balance minus your linked savings. Worked against the current rate premium, it only wins past a certain savings threshold.
Read itSelf-employed remortgaging works differently to your first application
Self-employed remortgaging isn't a repeat of your first application. Lenders assess a different window of accounts, calculate your income differently, and the gap between lenders can be tens of thousands in borrowing power.
Read itOne income on a joint mortgage just dropped. Here's what's actually true.
Both names on a joint mortgage owe the full amount, not half. When one income drops, here's what the lender checks, what you can actually do about it, and what each option costs in real numbers.
Read itCrossing 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.
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