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Understanding

Introduction

Jan 23, 2020

Santander mortgage customers warned about ‘cheaper’ standard variable rate

Newer Santander mortgage customers coming to the end of their fixed term this week will be...

Aug 21, 2019

Third of mortgage applicants denied deal: tips to improve your financial appeal

Lenders decline a third of mortgage applications as customers don’t meet the full criter...

Sep 17, 2018

The home improvements that will decrease your property’s value

It’s easy to get carried away when thinking about renovating your home, but it’s impor...

Aug 01, 2018

Six bank statement mistakes that can ruin a mortgage application

Bank statements provide lenders an insight into the lives of prospective borrowers, but so...

12 3 4

Nov 15, 2017

Explained: the difference between gazumping and gazundering

The property market is full of jargon, and it can be tricky for buyers to understand the p...

Oct 10, 2017

Refused a remortgage or don’t want to switch? Second charge mortgages explained

Second charge borrowing has boomed in the past year so we go back to basics to explain wha...

Sep 07, 2017

Working until you drop: older generations retiring later

Good news for those who like their jobs; new government statistics reveal that we are work...

Aug 03, 2017

Mortgage maturing soon? What you need to know about remortgaging

Over £35bn worth of mortgage deals are due to mature this autumn and given the record low...

Jul 25, 2017

10 things you need to know about the leasehold consultation

The government’s consultation on Tackling Unfair Practices in the Leasehold Market runs ...

Jul 17, 2017

Rates will eventually rise: are borrowers prepared?

Speculation’s mounting that a base rate rise may be on the horizon. How will those who h...

Jul 06, 2017

After 10 years of falling rates, will mortgages stay low?

It is ten years since homeowners last had to deal with a rise in mortgage rates. Is anothe...

Jul 05, 2017

Savvy millennials opt for repayment mortgages

Whether out of choice or necessity, millennials are far more likely to have a repayment mo...

Jun 27, 2017

Interest-only homeowners forced to sell up

Homeowners who have relied on interest-only mortgages are increasingly being forced to sel...

May 09, 2017

Record low mortgage rates: is it worth paying a penalty to get out of a fix early?

With record low mortgage rates currently on offer, borrowers stuck in a lengthy and now �...

Jan 17, 2017

Three reasons to use a mortgage broker

Homebuyers can either use a broker or go direct to a lender to get a mortgage. Here are th...

Oct 04, 2016

Guide to offset mortgages

Find out how you could potentially save thousands of pounds and slash years off your mortg...

Feb 24, 2016

Lending options for older borrowers improve

Borrowers needing a mortgage into retirement are often routinely turned down by mortgage l...

Nov 16, 2015

What is a mortgage term and how do I choose the right one?

With so many products on the market to choose from, deciding what length mortgage to pick ...

Aug 04, 2015

Five things you need to know about mortgage rates

With Bank of England governor Mark Carney announcing a Bank rate rise is likely in the new...

Jun 12, 2015

The outlook for mortgage rates: how low can they go?

Mortgage rates have been falling since summer 2014. Current Bank of England (BoE) figures ...

12 3 4

Repossession ban extended to April

The Financial Conduct Authority (FCA) has updated its guidance to extend the ban on reposs...

Jan 21, 2021

Mortgage repayment defaults set to rise in 2021

High street banks are expecting more mortgage payment defaults at the start of this year, ...

Jan 19, 2021

Home repossessions to leap more than ten-fold by 2022

UK mortgage arrears and repossessions will surge after the debt payment moratorium ends on...

Jan 14, 2021

Borrowers shouldn’t have to wait 39 weeks for mortgage help

Lenders are calling on the government to reduce the time struggling borrowers must wait fo...

Jan 14, 2021

Revealed: The winners of the Your Mortgage Awards 2020/21

Find out which mortgage lenders offer the best products and services in a highly competiti...

Jan 07, 2021

Homeowners stand to save £2,000 by remortgaging

British homeowners could save more than £2,000 on average this year by remortgaging to a ...

The savings accounts paying the most interest

If one of your jobs this month is to get your finances in order, moving your savings to a higher paying deal i...

Everything you need to know about being furloughed

Few people had heard of ‘furlough’ before March 2020, but the coronavirus pandemic thrust the idea of bein...

Coronavirus and your finances: what help can you get in the second lockdown?

News and updates on everything to do with coronavirus and your personal finances.

What will happen if rates change

How your finances will be impacted by a rise in interest rates.

Regular Savings Calculator

Small regular contributions can build up nicely over time.

Online Savings Calculator

Work out how your online savings can build over time.

Having a baby and your finances: seven top tips

We’re guessing the Duchess of Cambridge won’t be fretting about maternity pay or whether she’ll still be...

Protecting family wealth: 10 tips for cutting inheritance tax

Inheritance tax - sometimes known as 'death tax' - can cause even more heartache for bereaved families. But th...

Travel insurance: Five tips to ensure a successful claim

Ahead of your summer holiday, it’s important to make sure you have the right level of travel cover or you co...

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Understanding

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