Mortgages & Home Money
Should I overpay my mortgage or put the money into savings?
A like-for-like UK comparison of mortgage overpayments, savings after tax, cash access and lender penalties, with two worked examples.
Mortgages & home buying
Practical guides for mortgages and home buying
Clear explanations of mortgage repayments, deposits, loan to value and buying costs, with calculators for testing your own figures.
8 in-depth guidesOfficial sources included
Explore the topic
Mortgage and home-buying guides
Mortgages & Home Money
Mortgage switch break-even point: when do remortgaging savings recover the fees?
Learn how to calculate a mortgage switch break-even point, which remortgaging costs to include, how cashback changes the result and when a lower monthly payment can still be misleading.
Mortgages & Home Money
How balance, LTV and overpayments can affect a remortgage
Estimate your balance and LTV at renewal, test valuation changes and decide whether an overpayment is worth considering.
Mortgages & Home Money
Remortgage timeline: what to do before your mortgage deal ends
Plan the months before a mortgage deal ends, estimate your renewal balance and compare your lender's offer with the wider market.
Mortgages & Home Money
Product transfer or remortgage: how to compare staying and switching
Compare an existing lender's product transfer with a remortgage by looking at total cost, checks, fees and future flexibility.
Mortgages & Home Money
Mortgage LTV explained: how your deposit changes the calculation
Work out loan-to-value from a purchase price, deposit or current mortgage balance, and understand what can move the percentage later.
Mortgages & Home Money
How to compare mortgage repayments, terms and interest rates
Compare mortgage scenarios consistently, stress-test a higher rate and account for fees before treating a monthly payment as affordable.
Mortgages & Home Money
How to budget for Stamp Duty and other home-buying costs
Build a completion-day budget for Stamp Duty, legal work, surveys, mortgage fees and moving costs without using your whole deposit twice.