Mortgage Types

Compare different mortgage products and understand how each type works for various financial situations. Articles explain fixed rates, trackers, offset options and specialist mortgages.

Bridging Finance

Short-term bridging loans let you buy property fast when you can't get a mortgage in time, but watch out for high interest rates.

Buy-to-let Mortgage

Get a solid rental income and build wealth by investing in a buy-to-let property with the right mortgage deal.

Can My Lender Increase My Mortgage Payments?

Check if your lender can raise your mortgage payments by answering these four key questions about your rate type and loan details.

Cashback Mortgage

A cashback mortgage gives you a lump sum or percentage back when you buy a home, helping first-time buyers cover furniture and renovations.

Commercial Mortgage

Buying a commercial property with a mortgage could cost less than renting, and lenders now make it easier to get approved.

Discounted vs Standard Variable Rate Mortgage

Compare discounted and standard variable rate mortgages to see which option works for your situation and budget.

Fixed Rate Mortgage vs Base Rate Tracker

Compare fixed rate and base rate tracker mortgages to see which option suits your budget and protects you against interest rate rises.

Flexible Mortgage

A flexible mortgage lets you overpay, underpay, or pause payments when your income changes, ideal for self-employed and commission-based earners.

Interest Only Mortgage

Interest-only mortgages lower your monthly payments but require a solid plan to repay the full balance eventually.

Key Worker Mortgage

Key workers in certain regions can get government-backed mortgages to help buy their first home before age 40.

Libor Mortgage

How Libor mortgages work and why they adjust every three months instead of following the base rate.

Muslim Mortgage

UK lenders now offer mortgages structured to comply with Islamic finance rules, giving Muslim homebuyers viable alternatives to interest-based loans.

Offset Mortgage

An offset mortgage lets you use your savings to reduce the interest you pay on your mortgage, but it only works if you actually have money to offset.

Prime Mortgage

Good credit and no court judgements mean you're a prime borrower eligible for the best mortgage rates from lenders.

Questionnaire: Should I Get a Linked Mortgage?

Work through these questions to figure out if a linked mortgage makes financial sense for your situation.

Taking Out a Second Mortgage

A second mortgage is secured against your home, so understand the risks, interest rates, and how it compares to other borrowing options before applying.

What Is a Top-up Mortgage?

A top-up mortgage lets you borrow extra money against your existing home loan, with separate repayments and interest rates that vary by lender.

Why Are Lenders No Longer Allowing Interest-Only Mortgages?

Lenders are cutting back on interest-only mortgages because borrowers often lack plans to repay the capital when the loan ends.