Insights & Guides
Know more, borrow better
Expert guides and market insights from our team. No jargon, no sales pitch — just honest information to help you make better financial decisions.
The information contained within these guides and insights was correct at the time of publication but is subject to change.
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First-Time Buyers
March 2025How much can I borrow for a mortgage in 2025?
Lenders typically use income multiples of 4–4.5x your salary, but there's more to it. Here's everything you need to know about mortgage affordability.
Remortgaging
February 2025When should I start looking for a remortgage deal?
Leaving it too late can mean falling onto your lender's expensive standard variable rate. We explain the best time to act and why it matters.
Protection
February 2025Do I really need life insurance with my mortgage?
The honest answer? It depends. But for most people with dependants or a joint mortgage, the answer is yes — and it's more affordable than you think.
First-Time Buyers
January 2025The complete guide to getting a mortgage as a first-time buyer
From understanding affordability to exchange and completion — everything you need to know about the mortgage process as a first-time buyer.
Market Insights
March 2025UK mortgage rates in 2025: what you need to know
Mortgage rates have been volatile in recent years. Here's our guide to understanding what's happening in the market and how to get the best deal.
Self-Employed
January 2025Getting a mortgage when self-employed: the complete guide
Being self-employed doesn't mean you can't get a great mortgage — you just need to approach it differently. Here's everything you need to know.