Mortgages
The Money Edit explains everything you need to know about mortgages and how to find the right option for you.
Explore Mortgages
Latest
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What is the process of buying a house? From offer to completion
From making an offer on your dream home to getting the keys and moving in. The process of buying a house in 10 simple steps
By Rebecca Goodman Published
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How to remortgage in 2023: 1.4m households face big hikes
If your mortgage is up for renewal this year it’s crucial to have a plan as 1.4m households renewing deals face significant increases. We explain what you can do.
By Katie Binns Published
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Spray foam insulation: is it a good idea or will I struggle to remortgage or sell my home?
Around 250,000 households have bought spray foam insulation in recent years. We explain risks for your home
By Katie Binns Published
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How to choose an estate agent to keep costs low
Estate agents can be costly, so its important to pick the right one. We share our top tips to help you keep the costs low when selling a house
By Marc Shoffman Published
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Government to extend mortgage guarantee scheme to help first-time buyers
The mortgage guarantee scheme will continue beyond 31 December to offer 95% loans to help get first-time buyers on the property ladder. We explain everything you need to know about the scheme
By Katie Binns Published
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Millions face £250 monthly mortgage rise next year
The Bank of England has warned that homeowners will need to pay thousands of pounds in extra mortgage repayments next year. We explain what help is available if you’re worried about rising mortgage costs.
By Ruth Emery Published
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House prices fall at the fastest rate since 2008
Fallout from mini-Budget blamed for biggest monthly house price drop in 14 years
By John Fitzsimons Published
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The best places to live in the UK and how much it will cost to move
Revealed: how much houses cost in the best places to live in the UK
By Vaishali Varu Published
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UK house prices fall at their fastest pace in two years
Nationwide’s house price index showed a 1.4% month-on-month decrease in prices, their biggest fall since June 2020 as rising mortgage costs weigh on the market
By Nicole García Mérida Published
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House sales are up by 38% on last year, but clouds gathering for UK housing market
Official home sales figures paint a rosy picture for October, but the looming storm is likely to sink sales
By Sue Hayward Last updated
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Property sales stall while rental market picks up steam
The UK housing market is grinding to a halt, according to surveyors, with house prices falling in East Anglia and south-east England
By Ruth Emery Published
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House price growth in cities ‘outstripping’ increases in surrounding areas
Values in cities are rising at a faster rate than their outskirts - but there are exceptions
By Katie Binns Last updated
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Five things you need to know before buying a house with your partner
If you’re buying a house with your partner and don’t protect your share of the deposit or mortgage, you could be at risk of losing thousands of pounds if you later split up. We spoke to experts to find out what you need to know
By Vaishali Varu Published
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Remortgaging: we look at the pros and cons
Thinking about remortgaging? Read our guide before making your decision
By Samantha Partington Last updated
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Mortgage types explained: which one is right for you?
Different mortgage types may seem confusing. We explain everything you need to consider when you apply for one
By Katie Binns Last updated
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Mortgage help woe: Homeowners who lose job may face initial lack of support with mortgage payments
Homeowners who struggle with their mortgage payments due to losing their job may have to build up significant arrears before they get government help. We explain why
By Katie Binns Published
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Mortgage chaos: rates RISE after lenders pull hundreds of deals
After suspending hundreds of mortgage products, lenders are now increasing the cost of deals, with a typical two-year fix now at almost 6%. We explain which deals, how it could affect you - and what you can do
By Katie Binns Published
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What is stamp duty? Use our stamp duty calculator to calculate your costs
What exactly is stamp duty, who pays it and how much does it cost? We explain what you need to know and our calculator can help you work out the cost of buying your home
By Sue Hayward Published
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Wales sees strongest house growth - adding £31,000 to the average house price
Wales has seen the strongest annual growth in the whole of the UK. Meanwhile Scotland has seen the weakest annual growth - yet the average property price still tips £200,000
By Katie Binns Published
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House prices go up: is it a good time to buy a new home?
House prices are at a record high, but experts are warning of a slowdown in the property market. Read our guide on what to do if you're thinking of buying a house now
By Samantha Partington Last updated
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Is a 50-year mortgage a good idea?
Ultra-long mortgages are seen as a possible solution to the housing crisis. New specialist lender Perenna is set to offer decades-long fixed-rate deals
By Katie Binns Last updated
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Mortgage affordability test scrapped
The ‘stress test’ that requires potential homebuyers to show they could cope with mortgage payments if interest rates rose by up to 3% has been scrapped. We explain how it may help some potential homebuyers
By Katie Binns Published
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Can you pay a mortgage with your pension?
Using your pension to pay off your mortgage may seem like a good idea, but it requires careful thought before proceeding
By Ruth Emery Last updated
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Boris Johnson announces plans to boost home ownership among benefit claimants and first-time buyers
The prime minister is aiming to turn more of ‘Generation Rent’ into ‘Generation Buy’ - here’s what you need to know
By Ruth Emery Last updated
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Should you switch to a fixed-rate mortgage?
OPINION: ‘Cheap’ mortgage deals may not be around for much longer as interest rates rise. The Money Edit’s Kalpana Fitzpatrick looks at whether 2022 is the year to fix your mortgage.
By Kalpana Fitzpatrick Last updated
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House price rises in rural areas outperform urban locations
Rural detached properties have seen the strongest price growth over the past five years, while urban flats have seen the weakest, according to Nationwide Building Society
By Ruth Emery Published
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Typical two-year fixed rate mortgage exceeds 3% for first time in over seven years
The run of rate increases from the Bank of England since December is creating a remortgage boom, with the average two-year fixed deal rising above 3% for the first time in over seven years
By Katie Binns Published
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House prices hit a new record high
House prices up by £3,000 according to Halifax’s latest house price index
By Tom Higgins Published
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How to get a 95% mortgage
Looking to get on the property ladder and only have a small deposit? We explain how you can get a 95% mortgage deal
By Samantha Partington Published
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