Mortgage Types & Products
Mortgage Types & Products
Owning a Property With No Deposit Mortgage
Last Updated: January 8, 2026A no-deposit mortgage allows a buyer to borrow up to 100 percent of the property value without providing a personal...
New-Build for Investors: Pros and Pitfalls
Last Updated: December 11, 2025Investing in a brand-new property can bring benefits like energy-efficient design, modern fittings, and low maintenance costs. This is attractive...
CIS Mortgage, a Quick Overview
Last Updated: December 6, 2025A CIS Mortgage refers to using income from the Construction Industry Scheme (CIS) when applying for a home loan. Instead...
Enhanced Affordability for First-Time Buyers
Last Updated: December 3, 2025Some UK lenders offer enhanced affordability options that allow eligible first-time buyers to borrow more than standard income-based mortgage limits....
Joint Borrower Sole Proprietor (JBSP) Mortgage
Last Updated: November 20, 2025A Joint Borrower Sole Proprietor (JBSP) mortgage allows more than one person to support a mortgage application, while only one...
Shared Ownership Mortgages
Last Updated: November 15, 2025A Shared Ownership Mortgage allows you to purchase a portion of a property, typically between 10% and 75%, while paying...
The New Build Mortgage Process and Common Challenges
Last Updated: October 14, 2025New-build properties often involve phased payments, longer completion times, and sometimes higher valuations. Challenges include snagging issues, builder delays, and...
Buy-to-Let and Limited Company Mortgages
Last Updated: October 11, 2025Buy-to-let mortgages are designed for property investors purchasing homes to rent out. Borrowing limits are based on expected rental income...
Tracker and Variable Mortgages
Last Updated: October 11, 2025Tracker mortgages follow the Bank of England’s base rate, meaning your interest — and monthly payments — can rise or...
Fixed-Rate Mortgages in the UK
Last Updated: October 11, 2025A fixed-rate mortgage offers stability by locking your interest rate for a set term, typically 2, 5, 10, or even...