Mortgage guides

How each type works, what you'll pay, and which suits different situations. With worked examples at current 2026 rates.

Everything you need to know about buying your first home in the UK this year: deposits, stamp duty relief, Help to Buy alternatives, and the actual process from offer to keys.

Loan-to-value ratio explained with real rate differences at each band. Why 5% deposit costs you thousands more than 25%.

When to switch, what it costs, and how to tell if you're overpaying on your current deal. Step-by-step process for 2026.

How much SDLT you'll pay at every price point, first-time buyer relief, additional property surcharge, and the 2026/27 thresholds.