Mortgage guides
Straight answers to the questions borrowers ask most, checked against 2026 rules and lender practice.
How much can I borrow for a mortgage?
How UK lenders work out your maximum mortgage, from income multiples to stress tests.
ReadGuideStamp duty explained
Current SDLT bands, first-time buyer relief, surcharges and worked examples for England and NI.
ReadGuideHow does a bridging loan work?
How short-term bridging finance works, what it costs, and how you repay it.
ReadGuideGetting a UK mortgage as a foreign national
How non-UK citizens and overseas buyers can get a UK mortgage, and what lenders require.
ReadGuideWhat is a private bank mortgage?
What private bank mortgages are, who qualifies, and how they differ from high street lending.
ReadGuideWhen should I remortgage?
When to start your remortgage, product transfers versus switching, and avoiding early repayment charges.
ReadGuideBuying property through a limited company
Pros, cons, taxes and mortgage rules for buying buy-to-let property through a limited company.
ReadGuideBuy-to-let affordability and the interest coverage ratio (ICR)
How lenders use rent, stress rates and the interest coverage ratio to size a buy-to-let loan.
ReadGuideMortgage documents checklist
The documents UK lenders ask for, by borrower type, so your application moves without delays.
ReadGuideDo I need a mortgage broker?
A balanced look at when a mortgage broker helps, how brokers are paid, and when going direct works.
ReadGuideDevelopment finance explained
How development loans are sized, drawn down and repaid, with a worked LTGDV and LTC example.
ReadGuideHow lenders assess self-employed income
How lenders calculate income for sole traders, partners, company directors and contractors.
ReadGuideMortgage in principle explained
What a mortgage in principle is, how long it lasts, and whether it affects your credit file.
ReadGuideInterest-only mortgages explained
How interest-only mortgages work, who can get one, and what lenders accept as a repayment plan.
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