Mortgage advice &property insights
Expert guides on mortgages, property buying, London market trends, and everything in between, written by our FCA regulated advisors.
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Best Areas to Buy in London Under £400,000 in 2025
Finding a home in London under £400,000 takes research, but it is still very possible. These boroughs offer the best combination of value, transport links, and long-term growth potential.
Should I Fix My Mortgage for 2 or 5 Years in 2026?
The choice between a 2-year and 5-year fixed rate is one of the most common mortgage decisions, and there is no single right answer. Here is how to think through it for your situation in 2026.
First Time Buyer Guide London 2026: Everything You Need to Know
Buying your first home in London is one of the most exciting and daunting things you will ever do. This step-by-step guide covers everything you need to know, from saving your deposit to getting your keys.
Stamp Duty in London 2026: Complete Guide with Examples
Stamp duty is one of the largest costs of buying property in London. Understanding exactly how much you will pay, and whether you qualify for any relief, is essential before you budget for your purchase.
What Happens When Your Fixed Rate Mortgage Ends?
When your fixed rate deal ends, your lender will move you onto their Standard Variable Rate, which can be 2–3% higher than your current rate. Here is everything you need to know to avoid being caught out.
Should I Remortgage Now or Wait? (2026 Guide)
With mortgage rates still shifting in 2026, many homeowners are wondering whether to remortgage now or wait for rates to fall further. Here is how to think through the decision, and why waiting often costs more than you think.
How Long Does Remortgaging Take? (And How to Speed It Up)
Most remortgages complete in 4–8 weeks, but the timeline varies depending on your lender, your circumstances, and how well-prepared you are. Here is a stage-by-stage breakdown, and how to make the process as fast as possible.
Buy to Let Remortgage Guide 2026: Everything Landlords Need to Know
Buy-to-let remortgaging in 2026 is more complex than ever, but the savings available by switching from SVR are significant. This guide covers everything landlords need to know, from stress testing to limited company structures.
Portfolio Landlord Mortgages: The Complete Guide (4+ Properties)
If you own four or more mortgaged buy-to-let properties, standard BTL mortgage rules no longer apply. This guide explains PRA portfolio landlord rules, how specialist lenders assess applications, and how to find the right deal for your portfolio.
Limited Company Buy to Let Mortgages: Is It Worth It in 2026?
Following Section 24 mortgage interest tax changes, limited company buy-to-let has become increasingly popular. But is it right for you in 2026? This guide covers the SPV structure, rate differences, stamp duty, and the key scenarios where limited company BTL makes financial sense.
Self-Employed Mortgage Guide 2026: How to Get Approved
Getting a mortgage when you are self-employed is absolutely achievable, but it requires the right preparation, the right lender, and the right broker. Here is everything you need to know for 2026.
Expat Mortgages: Complete Guide for British Nationals Abroad
As a British national living abroad, you can absolutely own property in the UK, but you need specialist lenders and the right advice. Here is everything you need to know about expat mortgages.
Green Mortgages 2026: Save Money With an Energy Efficient Home
If your home has an EPC A or B rating, you could qualify for a better mortgage rate and up to £1,000 cashback. Here is everything you need to know about green mortgages in 2026.
New Build Mortgages: What You Need to Know Before You Buy
New build mortgages have unique challenges that standard residential purchases simply do not face. From mortgage offer expiry to builder incentives and leasehold risks, here is what every new build buyer needs to know.
How Much Can I Borrow on a Mortgage in 2026?
How much you can borrow depends on your income, outgoings, credit profile, and the lender, and the range between the lowest and highest lender can be surprising. Here is everything you need to know.
How Long Does a Mortgage Application Take in 2026?
The mortgage application process involves several distinct stages, each with its own timescales. Understanding the full timeline helps you plan effectively and avoid surprises.
Fixed vs Tracker Mortgage: Which is Right for You in 2026?
With the Bank of England base rate at 3.75% and further cuts possible in 2026, the choice between a fixed and tracker mortgage is more nuanced than it has been for years.
Can I Get a Mortgage With Bad Credit in 2026?
Bad credit does not automatically mean no mortgage. Understanding how lenders assess adverse credit, and which specialists will consider your circumstances, is the first step to getting approved.
Should I Remortgage My Buy to Let in 2026?
If your current BTL deal is ending or you are already on your lender SVR, you are likely paying more than you need to. Here is how to assess whether remortgaging makes sense in 2026.
Is Now a Good Time to Remortgage in London? (2026 Guide)
After two years of rate uncertainty, the mortgage market has stabilised. For many London homeowners whose fixed deals are ending in 2026, the timing is better than it was in 2023.
Limited Company Buy to Let Mortgages: Is It Right for You?
Since Section 24 removed mortgage interest relief for individual landlords, limited company BTL mortgages have surged in popularity. But is restructuring the right move for you?
Do I Need Life Insurance With My London Mortgage? (2026 Guide)
Life insurance is not legally required when you take out a mortgage in London, but it is one of the most important financial decisions you will make. Without it, your family could face losing their home if you die. Here is everything you need to know.
Critical Illness Cover vs Income Protection: Which Do You Need in 2026?
Two of the most important types of protection insurance, critical illness cover and income protection, are frequently confused. Both protect you if you are too ill to work, but they work very differently. Here is a clear guide to help you decide.
Mortgage Protection Insurance: The Complete Guide 2026
Mortgage protection insurance covers your home if you cannot pay your mortgage due to death, serious illness, or loss of income. This guide explains every type of cover available in the UK in 2026, what it costs, and which products you need.
Life Insurance in Trust: Why It Matters and How to Set It Up in 2026
The single biggest mistake London homeowners make with their life insurance is not writing it in trust. It costs nothing, takes 30 minutes, and can save your family months of waiting and tens of thousands in inheritance tax.
Leaving Your Assets in Trust: A Complete Guide for UK Homeowners 2026
Trusts are one of the most powerful tools available to UK homeowners for protecting and passing on assets. This complete guide covers every trust type, how they work, and when you need a solicitor versus what a protection adviser can help with.
How to Protect Your Family Home: Trusts, Life Insurance & Estate Planning 2026
Protecting the family home is about more than insurance. This practical guide for London homeowners covers life insurance in trust, critical illness cover, professionally drafted wills, and when a property trust is the right tool.
How to Avoid Paying Too Much Inheritance Tax in 2026
HMRC collected a record £8.2 billion in inheritance tax in 2024/25. With London property prices pushing more estates above the threshold, millions of families are paying far more than necessary. Here are 6 legal strategies to reduce your IHT bill.
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