Help with mortgages

Interest rates can have an impact on a wide range of areas including mortgages, borrowing, pensions and savings. The Bank of England sets the bank rate (or ‘base rate’) for the UK, which is cur...

If you took out an endowment policy in the 1980s or 1990s to repay your interest-only mortgage but you’re facing a shortfall it’s important to take action now. The longer you delay, the higher the...

Some mortgages come with special features which could help your cash flow or pay off your mortgage quicker. Read this guide to learn more about cashback, current account and offset mortgages. ...

If you’re in negative equity you could find it hard to move house or remortgage. Find out what you can do and the help that’s available. ...

If your adviser has gone bust and you’ve lost money because of their negligence, you might be able to get something back through the Financial Services Compensation Scheme. Check your...

The right way to handle a problem with payments or transfers depends on how the payment is made. This guide covers the full range of payment methods, with advice on how to handle problems that aris...

If you’ve fallen behind with your mortgage and fear losing your home, remember that there is help available. Don’t bury your head in the sand – it’s never too late to seek advi...

Wondering how to remortgage your home? This guide will take you through everything you need to know about the process, including how much remortgaging your property might cost and what you need to con...

If your home has increased in value since you bought it, you could borrow a further advance from your mortgage lender. Find out when this may be a sensible thing to do, but also when it s...

With some mortgages you can apply for a ‘mortgage payment holiday’ if money is tight. Find out how mortgage payment holidays work, the circumstances in which you might be granted one and the pros ...

With mortgage interest rates so low, some argue that there’s no point in paying off your mortgage early. Others argue that paying off debt is always a good idea in an uncertain economy. We weigh up...

There are a number of fees and charges you might need to pay if you’re taking out a mortgage. These include mortgage broker fees, adviser fees, valuation fees, arrangement fees and more. Use o...

If you’re struggling to meet your mortgage repayments there’s a range of government schemes that offer help. These include the Mortgage Rescue scheme, Support for Mortgage Interest, and ot...

When you buy a property, there are several kinds of insurance you can get. However, you don’t have to take all the insurance deals offered to you. Whatever you decide, it’s important to ...

If you’re struggling with your mortgage repayments and can’t get back on track – or are worried about losing your home, the temptation may be to ignore the problem. Don’t....

When choosing a mortgage, don’t just focus on the interest rate and fees you’ll be charged. You also need to consider what type of mortgage you want. Read our guide to find out the pros and cons o...

With an interest-only mortgage your repayments only cover the interest on the amount you borrowed. Find out how to work out a repayment plan to pay off the capital at the end of the mortgage....

Buying a home is the largest purchase you’re likely to make. Before you arrange your mortgage, make sure you know what you can afford to borrow. Find out where to get a mortgage, the different types...

When you apply for a mortgage you will be provided with information about a firm’s service. You must also be provided with some form of a mortgage illustration document(s) at the point where a...

Once you know how much you can borrow and the deposit required, you need to compare the mortgages available on the market. This means looking at more than just mortgage rates and making sure you pick ...

If your bank or another financial company sold you a product that wasn’t suitable for you, you might get compensation if you make a complaint. If you are unhappy with your f...

Is your current mortgage as competitive as the best new deals on the market today? You can save hundreds – perhaps thousands – of pounds by shopping around, so it’s a good idea to review...

Do you think you were mis-sold an endowment mortgage? There is a time limit for borrowers who want to make a complaint and it is running out, so you need to act now. ...

Have you asked yourself how an interest rate rise of 1% could affect your monthly repayments? Dig out the keyfacts paperwork you received from your lender when you took out your mortgage. This shows y...

If you’re on certain benefits and you’re struggling to pay your mortgage, you might be able to get help from the government to pay the interest on your mortgage. This is called Support for Mortgag...

Our free printed guides are designed to help not for profit and public sector organisations, as well as commercial organisations, helping people to make informed money choices. If you’re an i...