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To buy a property with a 90% or 95% mortgage, you can deposit just 10% or 5%, respectively and borrow the rest. These types of mortgages are commonly referred to as having a 90% or 95% loan-to-value (LTV) ratio

A tracker mortgage has a variable interest rate that changes depending on an external interest rate, usually the…

When seeking a mortgage, your borrowing history is crucial. Lenders will review your credit score, a numerical representation of your borrowing history. Factors such as timely monthly payments, credit utilisation,

Applying for a mortgage is a significant financial decision that requires careful consideration. The many choices can be overwhelming if you've never done it before. To help you get started, here are some questions

A mortgage decision, in principle, can help you estimate how much you could borrow before you complete a formal mortgage application and receive an official mortgage offer.

If you are considering a leasehold property, consider a few important things. Remember that when you own a leasehold property, you do not own it completely. This means that you may need to seek permission

To understand the cost of a mortgage deal, it's important to understand the different rates quoted. The Annual Percentage Rate of Charge (APRC) is a rate that must be included in any mortgage quotes

If you're buying or selling a property, the invasive plant known as Japanese knotweed can cause significant issues. However, resources can assist you if you know where to search. This guide will explain what Japanese knotweed is

In April 2017, the Lifetime Individual savings account (LISA) was launched. It is aimed at assisting first-time buyers to save a deposit to purchase a property, individuals who wish to save for retirement,

If you are selling or renting out a home, an Energy Performance Certificate (EPC) must be required to indicate the property's energy efficiency. EPCs were introduced in 2007 and remain valid for 10 years.

Understanding how mortgages work can be overwhelming, particularly as various options are available. In this article, we will explain to help you navigate the process, particularly if you are a first-time

It is essential to comprehend the various steps involved in conveyancing when purchasing a property. This will help you understand the role of your conveyancer in the process. The following guide pertains

For some individuals, deciding whether to rent or buy can be a dilemma. While many believe buying is the superior option and that paying rent is a waste of money, it may not always be the best choice

A variable rate mortgage is a type where the interest rate and the monthly repayments may fluctuate either downwards or upwards. Three types of variable rate deals are standard variable rates (SVRs),