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Mortgage guides
Our mortgage guides help you get the best deal on the biggest purchase you are likely to make in your life.
Browse our full range of mortgage guides
How to get a leg-up onto the property ladder
If you haven’t got the buying power to get mortgage, a guarantor mortgage is one way to get your foot in the door...
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Mortgage protection and life insurance: What’s the difference?
Confused about mortgage protection and life insurance? We make both clear…
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Mortgages: Lifetime tracker or long-term fix?
What’s the best mortgage deal to have for the coming years – a fixed rate deal or a tracker?...
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Buying a house: Do I need a 25% deposit?
House buyers need a much bigger deposit in order to get a good deal on a mortgage than they did before the credit crunch…
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Five golden rules for buying a house at auction
Our top tips for buying a property at auction will help you avoid the usual pitfalls and turn your property-owning dream into a reality...
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Four money-saving reasons to remortgage now
Don’t put off remortgaging; you could cut your monthly payments and guard against future interest rate rises…
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Can I afford to get a mortgage?
In this guide we examine the financial issues you’ll face if you want to step onto the property ladder...
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House prices: Past, present and future
What has happened to house prices and what will happen next? This guide explains the facts…
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Is now a good time to get a mortgage?
House prices appear to be stabilising, so is now the right time to take your first step on the property ladder?
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What will happen to mortgage rates in 2009?
Will mortgage rates stay low well into 2010 or are they about to move up? This guide weighs up the evidence…
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Tracker mortgage or fixed-rate mortgage – Which should you choose?
How do you decide whether to get a fixed-rate or tracker mortgage, and is there a good compromise...
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Beware of the 'cheap' tracker mortgage
Stop! Is that tracker mortgage you’re about to sign up for, going to cost too much in the long-run?
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Repossession: What to do if you can’t pay your mortgage
Are you worried about having your home repossessed? Our guide explains what you should do if you can’t pay your mortgage…
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Do I need to worry about negative equity?
We explain what negative equity is, how to work out whether you are in negative equity and how to avoid it…
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Capped tracker and droplock mortgages – The perfect compromise?
Torn between a fixed-rate mortgage and a tracker? A capped tracker or mortgage with a droplock option could offer the ideal solution...
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Mortgages - Top 10 predictions for 2020
What will the future hold for mortgages in a post-credit crunch world? Here are some pointers from top mortgage experts...
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Mortgages: What the 2009 Budget means for homeowners
If you’ve got a mortgage or are trying to get on the first rung of the property ladder, don’t miss this essential guide to what was in the Budget for you…
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Mortgages explained – a simple guide to what’s on offer
When it comes to mortgages, the list of what’s available is endless. We're here to help with a simple guide to the different types of mortgages you can get...
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Switching mortgages – Top 10 tips
If you are considering switching mortgages, make sure you follow our top 10 tips to get the best deal…
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How big a deposit do I need to get a mortgage?
The size of your deposit is a crucial factor when it comes to getting a decent mortgage, in the current market. But how big does it need to be?
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Fixed-rate mortgages
Our guide introduces you to fixed-rate mortgages, explains how fixed-rate deals work and looks at the advantages and disadvantages...
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Is now a good time to get a fixed-rate mortgage?
Many people on tracker mortgage deals are benefiting from low interest rates. So why are professionals suggesting they switch to a fixed-rate deal?
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SVRs - Standard variable mortgage rates explained
This guide explains the basics of SVRs and looks at how they have been affected by the credit crunch...
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Variable-rate Mortgages
This guide will explain everything you need to know about variable rate mortgages, how they work and their advantages and disadvantages...
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Repayment mortgages
If you’re looking to buy a property now, should you choose a repayment or interest-only mortgage? What are the benefits of a repayment mortgage, and are there any drawbacks?
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Interest-only mortgages
What are the pros and cons of taking out an interest-only mortgage, and who are they suitable for?
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Tracker mortgages
With base rate cuts coming thick and fast, tracker mortgages have looked particularly appealing recently. But what are they and is getting one a good idea?
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Discount mortgages
This guide will explain everything you need to know about discount mortgages, how they work and the advantages and disadvantages you need to be aware of...
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Mortgages for first time buyers
Despite recent panic there are still a variety of mortgage products on the market for first time buyers, but to get the best deal you have to do your research...
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Remortgaging
Remortgaging onto a better mortgage deal could save you hundreds, if not thousands of pounds. This guide takes you through the process step-by-step...
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Mortgage overpayment
Overpaying your mortgage can save you thousands if not tens of thousands of pounds. We look at the ways to do it well…
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Offset mortgages
What are offset mortgages, how do they work and how can they save me money?
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Do I need mortgage protection cover?
There’s no avoiding it – we should all examine our need for mortgage protection cover (MPPI) as it seems no-one will escape the chill of the recession...
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Should I use a mortgage broker?
What are the advantages and disadvantages of using a mortgage broker? What are my other options when trying to find the best deal?
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100% mortgages - What are the alternatives?
The death of 100% mortgages has left many people struggling to remortgage and others unable to get on the housing ladder. What options are left?
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Bad credit mortgages
These days it can be hard to get a mortgage even if you have a good credit history, but what if you don’t? We take a close look at adverse mortgages…
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French mortgages: A beginner’s guide
Our basic guide to French mortgages explains everything you need to know if you’re considering buying a property in France...
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Taking out a French mortgage
With a number of mortgage products available on the French market, choosing the right one for your circumstances is an important decision...
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Top 10 tips for mortgages in France
It’s getting more and more popular to use a French mortgage to finance your property purchase abroad. Here are 10 great tips to make sure your purchase and the mortgage approval process runs smoothly...
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Switching mortgages - What to consider
Switching mortgages could save you hundreds if not thousands of pounds. If you’re thinking of switching mortgages, there are plenty of things to bear in mind...
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Commercial mortgages – An introduction
Thinking about taking out a commercial mortgage? Our guide will help you make the right decision and get the best deal for your circumstances...
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What are early repayment charges?
Early repayment charges can cost you thousands of pounds. This guide explains when and why they are charged and how to avoid paying them…
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Moving house – 10 things you need to do when you move in
Are you moving house? Here’s a handy checklist of 10 things you need to do when you move into your new home...
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Capped mortgages
Not sure whether to fix your mortgage or take a chance on a cheap tracker? A capped mortgage could offer an attractive compromise…
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Do you need guidance?
If there is a consumer guide that you would like us to publish, please e-mail us at news@creditchoices.co.uk