Plain-English
mortgage guides.
The questions people actually ask before they pick up the phone. Written by an experienced adviser, no jargon, no fluff, no shilling for a particular lender.
How much deposit do I need to buy a house in 2026?
The honest answer in 30 seconds, plus what a bigger deposit actually buys you (it's more than just a lower rate).
Read guide → RemortgageYour fixed-rate deal is ending. What now?
What happens if you do nothing, when to start looking, and how to avoid the most expensive month of your mortgage.
Read guide → First-time buyerWhat is an Agreement in Principle?
Why estate agents ask for one, what it actually proves, and the credit-search question to ask before any AIP is run.
Read guide → Existing borrowersShould I overpay my mortgage?
When overpaying makes sense, the four situations where it doesn't, and the maths every borrower should understand. With worked numbers.
Read guide → Self-employedGetting a mortgage when you're self-employed
How lenders really read sole traders, directors and contractors, why two years of accounts is enough, and the mistakes that shrink your borrowing.
Read guide →Got a question we haven't answered?
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