Specialist Mortgage Advice
Independent, plain-English guides on specialist mortgage advice, part of our Mortgages hub.
Mortgages for the Self-Employed: A Practical Guide
Self-employed mortgage applicants face extra scrutiny on income. Here's what lenders ask for, how income is assessed, and how to strengthen your case.
Mortgages for Older Borrowers: Options Explained (UK)
Age limits don't have to stop you getting a mortgage. We explain retirement interest-only mortgages, later-life lending and how age affects your options.
Holiday Let Mortgages: A Guide for UK Investors (UK)
Holiday let mortgages differ from standard buy-to-let, with seasonal income assessment and specific tax treatment. Here's what investors should know.
Guarantor and Joint Mortgages: A Practical Guide (UK)
Guarantor and joint mortgages can help buyers who can't qualify alone. Learn how each works, the risks involved, and how to exit these arrangements later.
Mortgages for Expats & British Nationals Abroad (UK)
Buying a UK property while living overseas involves extra checks and a smaller lender pool. Here's how expat mortgages work and how to strengthen your case.
Getting a Mortgage After Bankruptcy or a CCJ Explained
A past bankruptcy, IVA or CCJ doesn't have to close the door on homeownership permanently. Here's how lenders view these events and when you might qualify.
Right to Buy Mortgages Explained: A Full Guide (UK)
Right to Buy lets eligible council tenants buy their home at a discount. Here's how the mortgage side works, and what to check before applying.
Second Home Mortgages Explained: What to Know (UK)
Buying a second home comes with a bigger deposit, a Stamp Duty surcharge and its own affordability rules. Here's how second home mortgages actually work.
Mortgages for Company Directors: A Clear Guide (UK)
Company directors face a different income assessment to salaried employees. Here's how lenders view salary, dividends and retained profit when you apply.
Mortgages with Adverse Credit History: A Practical Guide
Missed payments, defaults or a low credit score don't automatically rule out a mortgage. Here's how the adverse credit lending market works in the UK.