Mortgage Types Explained
Independent, plain-English guides on mortgage types explained, part of our Mortgages hub.
Fixed-Rate vs Tracker Mortgages: Which Is Right? (UK)
Fixed and tracker mortgages offer very different trade-offs between certainty and flexibility. Compare how each works and which might suit you.
Offset Mortgages Explained: How They Work in the UK
An offset mortgage links your savings to your mortgage balance, reducing interest charged. Learn how offsetting works and who it suits.
Buy-to-Let Mortgage Rules Explained for UK Landlords
Buy-to-let mortgages work differently to residential ones, with rental cover calculations, higher deposits and tax rules. Here's what UK landlords need to know.
Discount and Standard Variable Rate Mortgages Explained
Discount and SVR mortgages are two often-misunderstood variable options. Learn how each works, their risks, and when they might make sense.
Interest-Only Mortgages Explained: Risks & Rules (UK)
Interest-only mortgages keep monthly payments low, but the capital still has to be repaid eventually. Here's how they work and what lenders require.
95% LTV Mortgages: Low-Deposit Buying Explained (UK)
95% LTV mortgages let you buy with just a 5% deposit, but rates are usually higher. Here's how they work and how to weigh them against waiting to save more.
Green Mortgages: Cheaper Rates for Efficient Homes?
Green mortgages offer incentives for energy-efficient properties. Here's how EPC ratings affect eligibility, what's on offer, and whether it's worth pursuing.
Family Deposit & Springboard Mortgages Explained (UK)
Springboard and family deposit mortgages let relatives help without a cash gift. Here's how these low-deposit schemes work and the risks to weigh up.
New-Build Mortgages Explained: What's Different? (UK)
New-build mortgages come with tighter valuation windows and different lender rules. Here's what to know before buying an off-plan or newly built home.
Capped-Rate & Flexible Mortgages: A Clear Guide (UK)
Capped-rate and flexible mortgages sit between fixed and variable deals. Here's how each works, their pros and cons, and who they genuinely suit.