All Guides

Mortgage guides written for UK borrowers

Long-form, jargon-free guides on the trickier corners of UK mortgage lending. New articles added every week.

A self-assessment of how serious lenders will treat your credit issues.

Secured second charges as an alternative to remortgaging.

Which UK specialist lenders refinance adverse-credit borrowers and at what rates.

Short-term asset-backed lending when adverse credit closes high-street doors.

How specialist lenders weigh historic adverse on the bridging side.

Which UK lenders fund adverse-credit bridging and at what LTV.

Who actually competes for HMO mortgages in the UK right now.

Financing BTL houses across Sheffield postcodes, yields and HMO rules.

When UK lenders allow two residential mortgages at the same time.

Holding mortgages on two separate properties — residential plus BTL and more.

First and second-charge lending on a single home, explained.

Why your MIP is the loan only, and how to work out your real purchase budget.