What is a Guarantor Mortgage and How Does It Work UK?
A guarantor mortgage uses a family member's income or savings to support your application. Types include family deposit, springboard, and joint borrower.
Mortgages guides
UK mortgages from first-time buyer through remortgaging — deposits, affordability, fix lengths, and the rules that change at LTV cliffs.
What Happens to My Mortgage if I Lose My Job? UK 2025
If you lose your job your mortgage doesn't end — but you risk arrears. Options: contact lender early, payment holiday, SMI, partial payments, sell.
What Fees Do I Pay When Buying a House in the UK?
UK home-buying fees beyond the deposit: SDLT, conveyancing, survey, mortgage fees, removals. Budget 5-10% of property price on top of deposit.
What Credit Score Do I Need for a UK Mortgage?
There's no fixed credit score for a UK mortgage — lenders use their own scoring models. Most mainstream lenders accept 'Good' on Experian (881+). Specialist routes for lower.
Is It Better to Fix My Mortgage for 2 or 5 Years?
2-year fix gives flexibility, 5-year gives certainty. The maths depends on rate-curve expectations. Often 5-year offers slightly lower rates in falling-rate environments.
How Much Deposit for First Time Buyers UK? (2025)
Minimum deposit is 5% of property price for most UK lenders. Higher deposits unlock better mortgage rates at the 90%, 85%, 80%, 75% and 60% LTV bands.
How Much Can I Borrow on My Salary in the UK?
Most UK lenders cap at 4–4.5× gross income. Some go to 5–5.5× for higher earners or specific products. The factors that affect your actual borrowing limit.
How Does Remortgaging Work and When to Do It UK?
Remortgaging means switching mortgage product, usually for a better rate. Start 6 months before your fix ends. Product transfer vs full remortgage explained.
Can I Use Overseas Income for a UK Mortgage?
Most UK high-street lenders only accept GBP income paid in the UK. Specialist lenders accept overseas income with caveats — eligibility and FX-discount rules.
Can I Port My Mortgage to a New House UK?
Most UK fixed-rate mortgages are portable — you keep the same rate when moving. The lender re-runs affordability and the property must meet their criteria.
Can I Overpay My UK Mortgage to Clear It Early?
Yes — most UK fixed-rate mortgages allow 10% overpayments per year without penalty. The maths of overpaying vs investing, and Early Repayment Charge mechanics.
Can I Get a Mortgage with ILR? (Indefinite Leave to Remain)
Yes — ILR holders are treated essentially the same as UK citizens by most lenders. Income, deposit, credit and time-in-UK rules explained for 2026/27.
UK Mortgage with 1 Year Self-Employed Accounts
Yes — some UK lenders accept 1 year of self-employed accounts, including Halifax, Kensington and specialist lenders. The criteria and rate trade-offs.
Can I Get a UK Mortgage on a Visa? Current Lender Rules
Yes — most UK lenders offer mortgages to visa holders, though deposit and time-in-UK requirements vary. Skilled Worker, ILR and spouse visa criteria explained.
Can I Get a Mortgage on a Skilled Worker Visa?
Yes — Skilled Worker visa holders qualify for UK mortgages with most lenders. The deposit, UK history and income criteria explained, plus broker tips.
UK remortgaging timeline — when to start and the pitfalls
When to begin remortgaging in the UK, the six-month rate-lock window, the product-transfer vs full remortgage choice, and the fees and pitfalls that cost people money.
Fixed vs tracker vs variable mortgages — the UK trade-offs
The three main UK mortgage types compared — what fixes do, how trackers follow the Bank of England, what the standard variable rate actually means, and when each tends to suit.
The UK first-time buyer route map (LISA, mortgage, stamp duty — in order)
How the pieces fit together for someone buying their first home in the UK — Lifetime ISA bonus, deposit, mortgage affordability, stamp duty relief, and the traps that catch people late.