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Please explore the John Charcol website using the sitemap below. The sitemap is split into several sections and will help you navigate around the website to specific pages of the site. These specific sections are made up of mortgages, Best Mortgage Rates, helpful advice in the form of news and opinions, calculators and guides. In addition to this, the website has a vast number of mortgage FAQs that we have republished for your convenience.
Posts
- Budget speculation
- FCA Section 165 Information Request Should Include Estate Agents
- Should a Down Valuation Be Seen as a Negative or a Reflection of the Current Market Value?
- April Mortgages’ 100% Fixed Rates
- The FPC’s 15% Flow Limit is Past its Sell-by Date
- What Is Buy Now Pay Later and What Does It Mean for My Mortgage Applications?
- Trump Tariff Madness
- FCA Blue Sky Thinking on Pensions & Mortgage Deposits
- Early Repayment Charge - ERC Mortgage
- Should First Time Buyers Continue Renting or Take the Leap into Homeownership?
- Avoid Making a Costly Mistake by Not Checking When You Go onto the Lender’s SVR
- How to Save Money on Your Mortgage as the Cost of Living Continues
- Should I Stay, or Should I Go?
- A New Window Opens for Self-Employed
- Managing Through Mortgage Uncertainty
- Honest Advice for Homeowners Considering Whether to Move House or Stay and Improve
- Considerations for Expats Buying Rental Property in the UK
- Airbnb Mortgage Considerations for Homeowners
- Beware of Conditional Selling: a Warning for First-Time Buyers and Home Movers
- Why The Saying ‘Never Settle For 2nd Best’ Isn’t Always True
- What Happens if a Lender Changes Rates (Downwards) Before My Mortgage Completes?
- Here Are Your Mortgage Options Following a Separation or Divorce
- The Advantages of Second Charge Mortgages for Residential and Buy-to-Let Mortgage Holders
- Is Now the Right Time to Invest in a Property or Grow a Portfolio?
- Mortgage Mistakes to Avoid
- Supporting Your Children in Climbing the Property Ladder: a Comprehensive Blog for Parents and Grandparents
- To Bridge or Not to Bridge? Let to Buy Might Be the Answer
- Arrears Reach 12 Year High – Worried? Take Your Time and Review Your Options
- Why You Can No Longer Be in the Red About Going Green
- What Is a Brownfield Site? And Is Redeveloping a More Sustainable Option?
- First Time Buyers: How to Start Your Home Buying Journey with Confidence
- What Impact Could Inflation Have on the Property Market?
- Will the EPC Changes Cause Damage to our Commitment to Climate Change?
- Move or Stay? How Home Improvements Could Add Value To Your Home
- From Expats to Repats and Back Again
- Top Reasons to Remortgage Your Home and the Process
- What Happens When You Inherit a House in the UK?
- How will the increase in SDLT on 1st April Impact the Market?
- Will Mortgage Rates Go Down in 2025?
- FCA Call for Inputs Submission
- What Are Near Prime Mortgages and How Do They Work?
- FCA Call for Inputs to Refine Retail Conduct Rules
- How Auto Enrolment Could Help FTBs
- The Buy-to-Let Market: Trends, Challenges and Opportunities
- Price Performance of Flats vs Terraced Houses Before and After Grenfell
- Are Higher Mortgage Rates Deterring Home Movers from Upsizing?
- Navigating the Mortgage Market as a High Net Worth Individual
- Mid-Year Global Market and Property Trends: 2024 Update
- Maximizing Mortgage Overpayments: a Strategic Financial Move
- The Post-Election Mortgage Market
- Reform UK's "Contract with You" 2024
- 2024 Conservative and Labour Manifestos on New Homes
- What Is a Share of Freehold?
- Remortgaging? Why Wouldn’t You Have a Protection Review?
- 4 Common Myths About Protection Insurance Debunked
- Can You Pay for Your Mortgage with a Credit Card?
- What Mortgage Do You Need for an Airbnb?
- Buying the Freehold: What Do I Need to Know?
- Mortgage Protection – the Best Self-Care for 2024
- Nationwide House Price Index and House Prices Generally
- Santander Cuts “Revert-to” Rate by 1%
- Preparing for Higher Mortgage Rates in 2024
- The Autumn Statement Could Give FTBs a Massive Boost at Little Cost
- Are the Latest Mortgage Rates a New Norm or Short Term Blip?
- Highest SVR for 25 Years
- Mortgage Charter New FCA Rules
- Jeremy Hunt's Mortgage Charter
- CPI Figures to Push Up Mortgage Rates
- How Have the 100% Borrowers of the Noughties Fared?
- Capital Gains Tax on Second Homes
- A Review of Skipton’s Residential Track Record Mortgage
- How Did the Mini Budget Affect the Buy-to-Let Market? How Have Landlords and Lenders Responded?
- Despite Uncertainty Opportunities Are Still About if You Know Where to Look
- Interest Rates and House Prices
- Will Interest-Only Ever Be the Default Option for Homeowners Over Repayment?
- Buy-to-Let Expectations 2023
- Property Price Expectations For 2023
- A Glimmer of Hope for Landlords
- Ray Boulger Autumn Statement Update
- Inflation and Rate Rises: A Market Update
- The Recent Base Rate Rise – What Does This Mean?
- SDLT Threshold Increase for FTBs Exposes Inequity in Life ISA Limit
- Mortgage Rates and Housing Transaction Numbers
- LTV - Loan-to-Value Mortgages Explained
- The FPC Misses Open Goal to Reflect Mortgage Product Changes Since 2014
- Does Gambling Affect a Mortgage Application in the UK?
- What’s Next for the Housing Market?
- The Financial Policy Committee’s Mortgage Stress Test Consultation
- The Effect (or Lack of It) of the NI Increase on Mortgage Affordability
- What Impact Could the Russian Invasion of Ukraine Have on the UK Property Market?
- New Tax Rules to Avoid Holiday Lets Abuse
- What Credit Score Is Needed to Buy a House?
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- Mortgages
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- Mortgage Affordability
- What Mortgage Can You Get on Your Salary?
- Tier 2 Visa Mortgages
- Single Parent Mortgages
- Repayments on a £300,000 Mortgage
- Repayments on a £200,000 Mortgage
- Repayments on a £150,000 Mortgage
- Repayments on a £100,000 Mortgage
- I Can't Remortgage Due to Affordability
- Mortgage Repayments Guide
- Mortgage Offer Withdrawn
- Mortgage Income Multiples
- Mortgage Declined on Affordability
- Mortgage Declined After Valuation
- Mortgage Declined After Exchange
- Mortgage Declined After AIP
- Mortgage Based on 7 Times Salary
- Mortgage Application Process UK
- Mortgage Agreement in Principle
- Mortgage Affordability for Second Homes
- Mortgage Affordability Checks
- Million Pound Mortgage
- How to Get Quick Mortgage Approval
- Had a Mortgage Declined? What Is Next?
- Getting a Mortgage of 4 to 4.5 Times Your Salary
- Getting a Mortgage Based on 6 Times Salary
- Getting A Mortgage Based On 5 Times Salary
- Buy-to-Let Mortgage Eligibility Criteria
- £500,000 Mortgages
- £400,000 Mortgages
- Insurance
- Home and Contents Insurance
- Mortgage Protection Insurance Cost
- Life Insurance
- Life Insurance with Critical Illness
- What Is a Life Insurance Trust and Why Put Life Insurance in a Trust?
- Life Insurance for Over 60s
- Do I Need a Life Insurance Broker?
- Level Term Life Insurance or Decreasing Life Insurance?
- Income Protection vs Critical Illness Insurance
- Income Protection Insurance: Types of Protection and Your Options UK
- Do I Need Mortgage Protection Insurance?
- How to Get the Best Mortgage Protection Insurance UK
- Freelance and Self-Employed Mortgages
- Specialist Mortgages
- New Build Apartment Mortgages
- Offset Mortgages
- Expat Mortgages UK
- Contractor Mortgages
- Find the Best Interest-Only Mortgage Rates
- Mortgages for Directors
- Mortgages for Doctors
- Let to Buy Mortgage
- Private Bank Mortgages
- Bridging Loans
- Second Charge Mortgages
- What Are the Pros and Cons of a Second Mortgage?
- Second Charge Mortgage Rates
- Second Charge Mortgage Buy-to-Let
- Second Charge Bridging Loan
- How to Remove a Second Charge on a Property
- How to Put a Second Charge on Property
- How Much Can I Borrow on a 2nd Charge Mortgage?
- How Does a Second Charge Mortgage Work?
- First Charge and Second Charge
- Commercial Second Charge
- Can You Get a Second Charge Mortgage with Bad Credit?
- Can I Get a Second Mortgage on My House?
- Bad Credit Mortgages
- How a Mortgage Application Affects Your Credit Report
- What to Do if Your Mortgage Is Declined
- What Is the Minimum Credit Score for Mortgages in the UK?
- What Is Checkmyfile?
- Understanding Your Credit Report
- Shared Ownership Mortgages with Bad Credit
- Self-Employed Mortgage with Bad Credit
- Mortgages for First Time Buyers with Bad Credit
- Mortgages for Discharged Bankrupts
- Mortgages After Payday Loans
- Mortgage Credit Check UK
- Late Payments and Mortgage Applications
- Joint Mortgage with One Bad Credit Applicant
- How to Obtain a Joint Mortgage When Both Applicants Have Bad Credit History
- How to Get a Mortgage With Good Income but Bad Credit
- How Much Mortgage Deposit Do I Need with a CCJ?
- How Long After Repossession Can I Get a Mortgage?
- Guaranteed Mortgage Approval with Bad Credit
- Getting a Second Mortgage with Bad Credit
- Getting a Mortgage After Bankruptcy
- Does an IVA Affect Your Credit Score?
- Contractor Mortgages with Bad Credit
- Can You Get a Mortgage with Credit Card Debt? UK
- Can You Get a Mortgage on Benefits?
- Can I Get a Right to Buy Mortgage if I Have Bad Credit?
- Can I Get a Mortgage If I Have No Credit History?
- Can I Get a Mortgage After a Debt Relief Order?
- Can I Get a Mortgage with an IVA?
- Can You Get a Mortgage with a Criminal Conviction
- How Far Back Do Mortgage Lenders Look at Credit History?
- Can I Get a Mortgage with a Default?
- Subprime Mortgage
- Debt to Income Ratio
- Can You Get a Mortgage with a CCJ?
- Bad Credit Mortgage Brokers
- Development Finance
- Specialist Property Mortgages
- Underpinned Property Mortgage
- Solar Panels and Mortgage Lenders
- Seafarer Mortgages
- Mortgages on Uninhabitable Property
- Mortgages on High Rise Apartments
- Mortgages Next to Commercial Property
- Mortgages for Steel Framed Properties
- Mortgages for Properties with Annexes
- Mortgages for Flats Above Shops
- Mortgages Close to Mineshafts
- Getting a Mortgage on Contaminated Land
- Mortgage on a Castle
- Mortgage for a Church Conversion
- Large Acreage Mortgage
- How to Get a Mortgage on a Thatched Property
- How to Get a Mortgage for a Fixer-Upper
- How to Get a Mortgage for a Barn Conversion
- How Property Type Can Affect a Mortgage Application
- Getting a Mortgage on a Single Brick Construction Property
- Flying Freehold Mortgages
- Flat Roof Mortgages
- Ex-Council House Mortgages
- Eco Mortgages
- Down Valuation: Is Your Mortgage Valuation Survey Undervalued?
- Can You Get a Mortgage on a Grade 2 Listed Building?
- Care Home Mortgages
- Can I Get a Mortgage with Japanese Knotweed?
- Can I Get a Mortgage to Buy Off Plan?
- Can I Get a Mortgage on a Prefab House?
- Buying a House with Subsidence
- Buying a House with a Public Footpath
- Bungalow Mortgage
- Below Market Value Mortgage
- Asbestos and Mortgages
- Apartment Mortgages
- Concrete House Mortgage
- Mortgage on Timber Framed House UK
- Buying a Repossessed House
- Can You Get a Mortgage on a Maisonette?
- Mortgages on Ex-Local Authority Flats
- Mortgages for Flats
- Holiday Let Mortgages
- Leasehold Mortgages
- Airbnb Mortgage
- Non-Standard Construction Mortgages
- Commercial Mortgages
- Buy to Let
- Moving House Mortgage
- Remortgage
- First Time Buyer Mortgage
- Best Buys
- First Time Buyer Mortgage Rates
- Best Cashback Mortgage Offers
- Large Mortgage Loans for High Value Properties
- Best Tracker Mortgage
- Best Fixed Rate Mortgages
- Best Remortgage Deals and Remortgage Rates UK
- Shared Ownership Mortgages
- Remortgaging When Retired
- Remortgaging a Shared Ownership Home
- Mortgage Product Transfer vs Remortgaging
- I Own My House Outright. Can I Remortgage?
- Interest Only Remortgage
- How to Remortgage
- How to Remortgage with Bad Credit
- How to Remortgage to Buy Another Property
- Should I Remortgage Now?
- How to Remortgage a Help to Buy Home
- How to Find the Best Remortgage Rates and Remortgage Deals
- How Much Does Remortgaging Cost?
- How Much Can I Borrow on a Remortgage?
- How Long Does It Take to Remortgage Your Home?
- Do I Need a Solicitor for My Remortgage?
- Day 1 Remortgages Explained
- Capital Raising Mortgage
- Can You Remortgage with a County Court Judgement (CCJ)?
- Can I Get a Remortgage While Self Employed or on Part Time Hours
- 9 Reasons to Remortgage
- Debt Consolidation Remortgage
- Portfolio Landlord Mortgages
- Buy to Let Remortgages
- Limited Company Buy to Let Mortgage
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Guides
- Buy-to-Let Stamp Duty Guide
- Family Offset Mortgage
- Rent to Buy and Other Low Deposit Mortgage Schemes UK
- How Do Offset Mortgages Work?
- Joint Mortgage with Parents
- Gifted Deposit Mortgage
- Mortgage Deposit Amounts
- How Much Deposit Do You Need for a Mortgage?
- Family Springboard Mortgage or Family Deposit Mortgage
- Buy-to-Let Mortgage Deposit: How Much Is It?
- Can I Borrow Money for a Deposit on a House?
- Second Home Mortgage Deposit
- Proof of Deposit for Mortgage
- Where Can My Mortgage Deposit Come From?
- No Deposit Mortgage
- Mortgage Deposit Guide
- Green Mortgages UK
- Types of House Surveys
- Equity Release Guide
- Guarantor Mortgages
- Shared Ownership Guide
- Divorce and Mortgages
- Tenants in Common
- Right to Buy Guide
- Types of Houses
- Capital Gains Tax Guide
- House Mortgage Deposit
- Freehold and Leasehold
- Buy to Let Limited Company
- Protecting Your Home and Property
- Property Finance for Expats
- Borrowing into Retirement
- Funding Home Improvements
- Becoming a Landlord
- Buy to Let Tax Changes
- Cryptocurrency and Mortgages
- Buy to Let Guide
- Remortgaging Guide
- Help to Buy Guide
- Applying for a Mortgage
- Bad Credit Guide
- Tax on Rental Income
- Second Home Stamp Duty
- Stamp Duty Tax Guide
- Mortgage Types
- House Buying Mortgage Guide
- Moving Home Guide
- Second Home Mortgage
- First Time Buyers’ Guide
In The News
- First-time buyers with 5% deposit offered part interest-only mortgages
- Gen H launches part and part mortgage for FTBs
- Is the new 5% deposit 'part and part' mortgage any good?
- I own a house but have inherited money. Should I use it to overpay my mortgage?
- My ex-wife is staying in the flat with our kids. Can I change my mortgage payments?
- Nationwide cuts mortgage rates despite Bank of England decision
- The 12 questions you MUST ask a mortgage broker before committing to a new deal
- INTEREST-ING Bank of England interest rate decision confirmed - what it means for YOUR money
- Bank of England holds interest rates at 4%
- Mortgage brokers steering borrowers to 2 year fixes to line their pockets, whistleblower claims
- Base rate held at 4% - here's what it means and when it might be cut next
- Bank of England holds interest rates at 4% - what does it mean for mortgages and savings?
- I'm a first-time buyer - why does being self-employed mean I can borrow less?
- Mortgages rates are going up - is now the best time to fix?
- My girlfriend and I have outgrown our one bed flat: can we mov our mortgage to a bigger home without triggering a penalty?
- Ministers meet mortgage lenders to discuss plans to hand out bigger loans
- First-time buyers offered 2% deposit mortgage - but those using Bank of Mum and Dad are BANNED
- HOUSE THAT Major building society launches new mortgage for first-time buyers with just £5k deposits
- I use a 'credit card against my home' - it's funding £5k-a-term private school fees
- My partner and I are getting divorced. Can I keep my low mortgage rate when I move?
- Green mortgages: how do they work and how much can you save?
- Mortgage holders facing highest financial burden since 2008 crash
- Banks are making it harder for landlords to buy houses
- Law firm denies giving Rayner tax advice as surcharge row intensifies
- Angela Rayner admits she didn't pay enough Stamp Duty on new seaside flat
- Gilt yields soar: What it means for mortgage brokers and borrowers
- Bond yields hit 27 year high, but only long term mortgage costs rise: Brokers
- A mortgage lender is letting me borrow 5.5 times my income - but should I?
- Gilt yields spike to a 27 year high - what does it mean for investors, mortgages and savings?
- HOME LOAN Mortgage provider makes it easier for anyone on Universal Credit or benefits to get a home loan
- What's keeping mortgage brokers confident amid a cooling market?
- Brokers urge lenders to adapt amid renewed market optimism
- An end to stamp duty? What the rumoured new property tax could mean for London home movers
- Barclays launches 3.79% mortgage rate - how much cheaper will deals go?
- Is it time for lenders to back green mortgages?
- Should I overpay my mortgage or invest my extra cash?
- Will mortgage rates fall? Should you fix now or wait? Brokers give their views as two-year rates drop below five-year fixes
- Two-year fixed mortgage rates hit lowest level since Liz Truss's 2022 mini-Budget
- More households take two-year mortgages as they go sub-5% for first time since Truss
- UK economy beats growth forecasts in Q2
- Why are mortgage rates climbing when the Bank of England has cut interest rates?
- Thousands of Brits given £346 off mortgage repayments immediately
- Mortgage News: Mortgage Costs Expected To Fall Further As Bank Rate Cut To 4%
- Don’t expect mortgage rates to fall, homeowners warned
- What will happen to mortgages in 2025 after interest rate cut, according to experts
- Thoughts and predictions ahead of today’s BoE Monetary Policy Committee
- Bank of England cuts base rate to 4.00%
- What the Bank of England's interest rate cut to 4% means for your money
- I’m in my 50s and buying a property. Can I add my sons to the mortgage?
- Cheapest mortgage rates expected to drop below 3.5% in 2026
- Two major lenders cut mortgage rates ahead of expected interest rate cut
- I'm 74 but have a small pension. Can I use equity release to boost my retirement?
- Loan-to-income change has far-reaching implications for housing market
- I'm a landlord. Could I buy our new family home with an interest-only mortgage?
- News Analysis: Will no-deposit deals catch on?
- Barclays launches cheapest mortgage rate at 3.75% - but here's the catch
- The three-year 'Trumpbuster' mortgages that avoid US President's market volatility
- What Labour's mortgage meltdown means for YOUR house price: Experts reveal the risk of 'dangerous' new lending policy
- Reeves to cut financial regulation to support first-time buyers
- I plan to work until I'm 70 - can I get a 30-year mortgage aged 40?
- Reeves hails ‘instant impact’ for aspiring homeowners as red tape is cut
- Huge changes to FTB mortgage rules to be revealed by Chancellor
- UK launches permanent mortgage guarantee scheme
- Give more first-time buyers bigger mortgages, Reeves tells finance firms
- Dubai lures fleeing Britons with first-time buyer scheme – but there’s a catch
- Reeves unveils mortgage access boost in financial regulation overhaul
- HOUSE THAT First-time buyers to get ‘leg up’ onto housing ladder under mortgage plans unveiled by government
- Rachel Reeves to unveil biggest mortgage shake‑up in a decade as Chancellor backs high‑risk borrowing to boost growth
- Reeves announces reforms to add over 35,000 FTB loans a year
- Rate cuts: A market boost or a cause of market instability?
- 10 July: Halifax, Nationwide, NatWest, HSBC Chop Rates
- Cheapest mortgage deal in months as Halifax unveils best-buy
- Improvement in BTL product choice positive but affordability still a 'hurdle', brokers say
- Mortgage battle between major banks ramps up as HSBC cuts rates for third time in two weeks
- HSBC launches third rate cut in two weeks as mortgage price war intensifies
- Two major banks cut mortgage rates: One broker says there's room for further falls...
- Mortgage price war heats up as Barclays cuts interest rates across 40 deals – full list of products
- I’m 45 but my husband is 61 – how does this affect the mortgage we can get?
- How to manage your money in turbulent times, from savings to mortgages
- Mortgage price war continues as two major lenders make further cuts
- KEY TO IT Struggling with bills? Mortgage expert reveals whether you should take a payment break
- HSBC cuts mortgage rates across wide product range
- ‘I’m asset-rich but cash-poor. Is this the perfect inheritance solution?’
- Mortgage rates could rise if cash ISA allowances are cut, experts say
- What the Bank Rate decision means for your mortgage, savings, pensions and investments
- Should I get a 35-year mortgage and try to overpay – or a 25-year one instead?
- Britain's biggest mortgage lender among four major banks cutting rates
- Interest rates expected to fall as mortgage deals continue to drop
- Deluge of ‘desperate sellers’ sends house prices plunging
- Barclays and HSBC trim mortgage rates
- Barclays reduces mortgage rates across residential and remortgage products
- Barclays lowers remo rates to 3.93%, HSBC and Market Harborough cut prices
- KEY TO IT Nationwide is changing first-time buyer mortgage rules and you’ll be able to get a loan with just a 5% deposit
- ‘Sensible and timely move’: FCA to help FTBs and self-employed get mortgages
- Are interest-only mortgages for first-time buyers a good idea?
- Gen H rolls out new interest-only mortgage rangeq
- I’ve seen conflicting advice about equity release – should I go for it?
- Base rate held at 4.25% – here's what it means and when it might be cut next
- Savers warned ‘loyalty does not pay’ as Bank of England base rate held at 4.25%
- Bank of England holds base rate at 4.25%
- INTEREST-ING Bank of England interest rate decision confirmed – what exactly it means for YOUR wallet
- INDUSTRY REACTION: Bank of England holds base rate at 4.25%
- My mortgage is ending – should I get a variable rate and wait, or fix now?
- My income is topped up with universal credit. Can I still get a mortgage?
- What will happen to mortgages in the next month, according to experts
- INTEREST-ING Major lender CUTS mortgage rates despite other banks hiking loans as BoE boss warns over interest rates
- High street banks are keen to hand mortgage borrowers £35k more cash: Here's why
- Relaxed mortgage rules will boost first-time buyers but send house prices up, says report
- Best buy-to-let mortgage rates: June 2025
- My mortgage rate doubles in autumn - should I use a £20k gift to overpay?
- HOME LOAN Warning for first-time buyers as sub-4% mortgage rates ‘hanging by a thread’ after big inflation spike
- It’s all over for interest rate cuts – get your new mortgage deal now
- Cheapest sub-4% mortgages 'under threat' as inflation climbs higher than expected
- HOUSE THAT Another big lender launches ‘crucial’ no deposit mortgage in a boost for first-time buyers
- Expert warns first time buyers as man loses dream home after paying thousands on hidden mortgage trap
- Gable Mortgages becomes second lender in a week to launch 100% mortgage
- Bank of England may be cutting rates too quickly, warns chief economist Huw Pill
- I’ve had an offer accepted on a flat – what if mortgage rates go up before I move in?
- HOUSE THAT All your mortgage questions answered including when is best time to buy and what type of deal you should get
- HOUSE THAT Major mortgage lender makes big change that will let first-time buyers borrow up to £30k more
- April Mortgages launches no deposit mortgage product
- New 100% mortgage deal launches in UK
- April Mortgages has released a 100% loan-to-value (LTV) mortgage product to allow people to get onto the housing ladder with no deposit.
- HOUSE THAT Major lender launches no deposit mortgage that is ‘life-changing’ for first-time buyers
- Will mortgage rates go up or down? Expert predictions for 2025
- Nationwide cuts affordability stress rates to boost borrower capacity by up to £42,600
- Nationwide reduces affordability stress rates to allow larger mortgages
- Can you spot a mortgage red flag? New Rightmove tool lets buyers check if a bank is likely to lend on a home
- I'm a mortgage prisoner. Banks are relaxing their lending rules, could it help me?
- HOME LOAN What’s next for mortgage rates and how low will rates go? Experts give their verdict
- How far mortgage rates could fall in 2025, according to experts
- Nationwide launches new cheapest mortgage rate as price war rages
- Is now a good time to fix your mortgage or should you wait? Brokers answer as rates continue to fall ahead of expected Base Rate cut
- I’m getting a lodger – will the bank let me take out a bigger mortgage?
- HOUSE THAT Interest rates to fall at fastest pace since financial crash as more lenders SLASH mortgage rates
- First-time buyers claimed more than £5k each in stamp duty relief as deadline loomed
- Our income dropped after we got our mortgage. Will we struggle to get a new deal?
- Lender offers mortgages at seven times your income - but it could be 'dangerous'
- Homebuyers can get sub-4% mortgages from all the big six banks as HSBC cuts rates
- What we need from Andrew Bailey’s Bank of the bleedin’ obvious
- Five of big six mortgage lenders now have sub-4% rates as NatWest and Halifax cut
- HOUSE THAT Average two-year fixed mortgage rate falls below five-year rate for the first time since Truss mini-Budget
- Mortgage rates drop below 4% as more interest rate cuts predicted for this year
- Mortgages drop below 4% as lenders poised to launch 'full blown rate war' on fixed deals
- The 5% mortgage is back - but is it worth it?
- Now Trump has watered down his tariff plans, will mortgage rates still go down?
- Inflation falls to 2.6% - what it means for your pension, mortgage and savings
- High street bank piles into sub-4pc mortgage price war
- Major lender launches ZERO deposit mortgages for right to buy home loans
- Has the 'Trump slump' done British homebuyers a favour?
- Should I switch to a 40-year mortgage after losing my job?
- Mortgage-free home owners on the rise as the cash-rich pay off loans
- No deposit mortgages that are 'life-changing' for first-time buyers are making a comeback
- I've given out millions of pounds in mortgages – six steps you must take NOW and it could save you £100s
- All the ways it's become impossible to own two homes
- I'm 57 and want a lodger to boost my retirement income. What mortgage should I get?
- High street bank launches new mortgage for first-time buyers with small deposits
- Mortgage overpayment trick: switching to smaller fortnightly payments could save you £16k
- Mortgage rates drop below 4% for the first time in months – so do brokers think now is a good time to fix?
- I want to buy a first home but my wage is too low for a mortgage. What can I do?
- Yorkshire Building Society slashes rate and extends £5k deposit mortgage
- Bank of England cuts interest rates to 4.5% – how it affects mortgages and savings
- My 2% mortgage deal ends in 2026 - should I overpay while I can afford it?
- Four major lenders slash mortgage rates ahead of Bank of England decision this week
- Mortgage rates are fluctuating across the market - but why?
- Five ways to speed up the buying process and beat the stamp duty deadline
- High street banking giant launches 'innovative' new mortgage that means first-time buyers can borrow more
- Should I overpay my mortgage instead of saving cash for my children?
- UK interest rates will fall faster and further than markets expect, two giant US banks predict
- Halifax among lenders upping mortgage deals despite expected interest-rate cut
- Should I overpay my mortgage instead of saving cash for my children?
- Five-year mortgages hit highest rate in five months
- Four major mortgage lenders all increase rates at the same time: Here's why more may follow...
- Inflation dips by 0.1% in December 2024 – ONS
- MORTGAGE HELP Popular lender makes key change to mortgages – and you could borrow more
- Pension schemes in 'robust position' to deal with market fluctuations
- Interest rates could be 2.5% by late 2027, economist predicts: What would that mean for mortgages?
- HOUSE THAT Little known lender launches 3% deposit mortgages to help first-time buyers get on the ladder
- first direct cuts mortgage rates by up to 0.30%
- First Direct cuts mortgage rate as it joins other lenders in 2025 reductions
- I'm stuck on a high rate after my mortgage was transferred - what can I do?
- HSBC to cut residential and BTL mortgage rates
- What experts predict will happen to house prices and mortgage rates in 2025
- Our landlord offered to sell us our flat for £200k. How can we raise cash to buy it?
- UK households who are on a fixed-rate mortgage warned they must 'start acting now'
- Expert warns mortgage borrowers on fixed rate warned they need to act now
- Will Halifax's 1.5-year fixed mortgage catch on?
- UK's biggest lender to offer bigger mortgages for energy-efficient homes
- How to prepare for an inheritance tax bill if house-price rises mean you need to pay
- HSBC makes mortgage rate reductions across residential, buy-to-let product ranges
- I'm a first-time buyer - do I actually need insurance on my mortgage?
- 'Brokers are in a prime position in a bustling property market'
- Major UK lender launches ultra short mortgage fix for first time – and you can get £250 cashback
- Halifax Intermediaries adds 1.5-year remortgage products
- Halifax launches a highly unusual fixed rate mortgage - should borrowers be tempted?
- Can I get a cheaper deal on my mortgage? It is over 8% because of my flat's cladding
- Barclays cuts rates by up to 0.20%
- Analysis: Mortgage rates up, savings down – are banks profiteering?
- "Ho, ho, high!" Inflation dampens Christmas base rate cut hopes
- No mortgage reductions this year after inflation rise, experts predict
- Mortgage rates set to soar in wake of Labour's Budget as cost of UK gilts hits 12-month high
- Halifax pulls Britain's cheapest mortgage as brokers warn of more pre-Budget rises
- November base rate cut 'likely' as Bailey says inflation falling 'faster than expected'
- Mortgage lenders raise prices ahead of Budget uncertainty
- Just a week after cutting rates, what's prompting the lender to raise mortgage rates?
- Inflation falls below BoE target at 1.7%
- Mortgage rates 'unlikely' to decrease before Budget despite inflation fall
- Falls in mortgage rates could come to an abrupt halt, according to brokers
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- HOUSE ABOUT THAT Top 10 cheapest areas to rent in the UK revealed – see the full list
- Will we see mortgage rates back below 4% this year? After the autumn spike, brokers forecast they will keep falling despite a looming base rate rise
- Could an interest-only mortgage help you avoid a bill shock or spell trouble for the future? It lowers monthly payments but you MUST have a plan to clear debt
- Risk and borrower misconceptions mean fewer Airbnb mortgage options – analysis
- What will happen to UK mortgage rates 2023? Interest rates forecast, what are current rates, will they go down
- Airbnb says mortgage lenders should offer hard-up Britons a 'lifeline' by allowing them to make money from short-term home lets: What are the rules?
- Trackers are back: time for a variable mortgage?
- How to protect your money in 2023
- HOUSE THAT House prices fall for fourth consecutive month, says Halifax – best time for first-time buyers to get a bargain in 2023
- 'I will probably have to sell my home': The mortgage prisoners at risk of homelessness
- HOUSE ABOUT THAT I'm a property expert – my prediction for the cheapest time to buy a house this year
- HOUSE THAT We ask property experts – what will happen to house prices in 2023?
- UK banks to ease pressure on mortgage holders as late payments set to surge
- What's in store for mortgages next year? MSE speaks to six experts to find out whether you should fix or not
- How to find a good mortgage broker and the questions to ask them: They can help you navigate the home loan maze... but what do you need to know
- Home improvements best way to tackle uncertain property market – John Charcol
- Bank of Mum and Dad Starts to Shut Up Shop as Parents Struggle with Own Financial Problems
- Mortgage interest rates on the way down, experts tell estate agents
- Volatile market highlights the value of a mortgage broker – John Charcol
- What does Jeremy Hunt's Autumn Budget mean for London home buyers and movers?
- Home repossessions jump 15 per cent in third quarter of 2022
- Negative equity is stalking the suburbs – here's who is most at risk
- Mortgage experts give gloomy forecasts on buy to let
- Warning of fewer rental properties as landlords squeezed
- Buy-to-let sector could be particularly hit by rising mortgage rates, MPs hear
- MPs examine state of the mortgage market
- Will mortgage rates come down after Mini-Budget reversal? We ask the experts
- Martin Lewis warns loan rules must change to avoid a mortgage crisis
- Mortgage Broker: UK House Prices Could Fall 15% (Audio)
- 10-year mortgage deals become cheapest on the market
- AMI to hold webinar on inclusion and equity in the mortgage industry
- Mortgage borrowers face new wave of interest rate rises
- UK mortgage rates are soaring: Here's what you need to know as a first-time buyer
- Mortgage market stabilises after last week's mini-budget crisis
- The U.K. changes direction and abolishes plan to cut taxes on high earners
- NatWest raises mortgage rates in line with its rivals
- Thousands face £10k mortgage blow in London
- Banks warn of house price slump as mortgage payments rocket and fears of 'forced sales'
- UK house prices predicted to drop by at least 10% in 2023
- Bloomberg UK Politics: Starmer's Big Moment
- LADDER UP I'm a property expert – four first-time buyer schemes that could help you save thousands towards your new home
- Soaring bond yields set to lift UK mortgage rates
- How to cut the biggest bill of them all … your mortgage
- COMPUTER SAYS NO Mortgage warning over 'ticking time-bomb' as FOUR lenders to stop processing applications
- Cheap mortgage finding How to find the best deal for you
- Desperation to get on the property ladder pushes buyers to 30-year loans
- In the Spotlight with Tim Osmond, John Charcol
- RATE RISE Urgent warning for mortgage bills as Bank of England prepares for historic interest rate rise this week
- Urgent warning issued to UK households on specific type of mortgage
- 'It's been tough': UK mortgage brokers chase deals as interest rates soar
- Second mortgages: lending soars as Britons struggle to pay off debt
- Help to buy scheme: the clock is ticking if you want to apply
- PRICE IS RIGHT? Will house prices drop in 2022?
- HOUSE THAT I'm a mortgage expert – little-known ways that first-time buyers can buy a home with just a 5% deposit
- Fifty-year home loans would get more on ladder but come with risks
- Buying with a low deposit: UK's biggest lender launches 5% mortgage for new build houses
- HOUSE ABOUT THAT The new first-time buyer scheme where you can BUILD a home with just 5% deposit
- Managing expectations – and admin – could ease remortgage logjam – poll results
- 'My buy-to-let profits are disappearing before my eyes'
- Mortgage repayments get more expensive overnight as Bank of England raises interest rates
- To fee or not to fee: Mortgage arrangement fees are falling - but what exactly are they used for and when should borrowers opt to pay them?
- Homebuyers face the biggest housing loan pressure in a decade
- Area guide: Sail away down south
- Property Clinic: I'm looking to use Buy Now Pay Later, but what exactly is it and how will it affect my mortgage application?
- Is it time to get a mortgage from a small building society you've never heard of? Cheap rates from local lenders undercut the big banks
- Longer term fixed mortgage deals will affect repeat business, so brokers have to adapt – Marketwatch
- The remortgage trap that will cut your income by 5pc
- Mortgages: working for longer
- I'm a first-time buyer, what's the best deal?
- Move to fixed-rate mortgages: Mortgage Technical Manager warns those on a variable option
- In the Spotlight with Nick Mendes, John Charcol
- House prices will FALL next year and drop 5% by end of 2024, according to analysts as typical mortgage rate is set to DOUBLE
- Investment fund lends "milestone" £50m to 200 Yorkshire and Humber SMEs
- Halifax two and five-year fixed rate pricing makes advice more important than ever
- Turning mortgage tide? Fixing for five or 10 years is now CHEAPER than two at one bank as homeowners and lenders seek security in tough times
- How to get yourself mortgage ready
- Biggest home loans squeeze for a decade: Santander starts frantic rush to scale back mortgages as banks get tough on cost of living crisis
- Chatbots are as much use as a good FAQ section – Marketwatch
- Cheap mortgage finding: How to find the best deal for you
- Bad credit mortgages: what are your options?
- John Charcol unveils partnership with Trinity Lifetime Partners
- John Charcol enters referral partnership with Trinity Lifetime Partners
- The best mortgage brokers in the UK
- Green mortgages explained
- HOUSE THAT I'm a property expert – here's what could happen to house prices in 2022
- Banks raise mortgage costs by £800 a year as cost of living crisis continues
- Mortgage affordability tests: what do the new Bank of England proposals mean for house prices and first-time buyers?
- Tough mortgage rules could be scrapped allowing more people on the property ladder
- One to One: Nick Mendes, mortgage technical manager, John Charcol
- Home buyers could get bigger mortgages as the Bank of England may relax affordability tests, but how can you increase your chances now?
- Affordability test removal badged broadly positive for borrowers – analysis
- Rates rise on UK mortgages as lenders look to inflation fallout
- Homes risk energy rating downgrade if they install a heat pump
- Glasgow property: Experts predict what the market will look like in 2022 and offer advice
- Mortgages: switching could save £200 a month as interest rates rise
- Potential base rate could increase annual mortgage bill by over £300
- Do you have a second home or holiday let? Here's how the Government's new tax crackdown could affect you
- House prices continue to rise in Southampton and the south east
- As banks fear soaring energy prices will hammer borrowers... Halifax's big idea to keep mortgages booming is a larger loan if you've got a greener home
- Nearly a third of brokers plan to invest in technology this year – poll result
- Self-build mortgage enquiries have increased over the past year due to the pandemic, changes in regulation and new government schemes, and are expected to grow even more, brokers say.
- Five-year mortgage deals are surging
Tools & Calculators
- Buy to Let and Second Home Stamp Duty Calculator
- Stamp Duty Calculator (SDLT)
- Second Charge Mortgage Calculator
- Salary Calculator
- Rental Yield Calculator
- Remortgage Calculator
- Mortgage Overpayment Calculator
- Mortgage Repayment Calculator
- Loan-to-Value Calculator
- Mortgage Deposit Calculator
- Mortgage Comparison Calculator
- Interest-Only Calculator
- First Time Buyer Stamp Duty Calculator
- Expat Mortgage Calculator
- Contractor and Self-Employed Calculator
- Capital Gains Tax Calculator
- Buy to Let Rent Calculator
- Buy-to-Let Mortgage Calculator
- Mortgage Affordability Calculator
- How much can I borrow