Should I overpay my mortgage or save instead?
Compare your mortgage rate against your savings rate after tax, check overpayment limits and ERCs, and decide which wins for you.
How much stamp duty do first-time buyers pay?
First-time buyer stamp duty for 2026/27: nothing up to £300,000, 5% to £500,000, the relief cliff above that, and who qualifies.
What happens when my fixed rate mortgage ends?
You roll onto the SVR and the payment jumps. The three exits, the six-month timeline, and how to price each option.
How much mortgage can I get on a £40,000 salary?
The income multiples lenders actually use, what affordability checks knock off, and your realistic price range on £40k.
Should I overpay the mortgage or pay into my pension?
The maths usually favours the pension, the psychology often favours the mortgage. How to compare them honestly for your numbers.
How much deposit do I need to buy a house?
5% gets you in, 10% gets better rates. What deposits unlock at each step and how long yours will take to save.
Should I fix my mortgage for 2 or 5 years?
Certainty versus flexibility, what the rate gap between the two fixes is really pricing, and which suits your plans.
When should I start remortgaging before my fix ends?
Six months out. Why the window matters, how rate locks work, and the do-nothing cost of rolling onto the SVR.
Can I port my mortgage to a new house?
Porting moves your rate, not your loan. How re-approval works, topping up at a second rate, and when porting beats paying the ERC.
How much can I overpay my mortgage without penalty?
The usual 10% a year allowance, how lenders count it, what early repayment charges cost if you cross the line.