Home Mover Mortgage Guides

Bad credit doesn’t automatically rule you out of a mortgage. Understand why specialist lending may be available sooner than you think, what lenders look at, and how to strengthen your application.

A clear guide to the main mortgage types in the UK, including repayment methods, fixed and variable rates, specialist options and government-backed schemes—helping home buyers understand what to look for.

Understand how mortgage age limits work in the UK, what lenders typically require at the end of the term, and the later-life options available for older home buyers.

Understand whether life insurance is required for a UK mortgage, the main policy types used for mortgage protection, what affects cost, and how related cover such as critical illness and income protection can fit alongside your mortgage.

An expert guide to income protection insurance—what it is, how it works, the main policy types, and why it can matter for mortgage security.

Understand what loan-to-value means, how to calculate it, and why your LTV can influence mortgage affordability and the options available to you.

A practical guide to how mortgage lenders assess income, what proof they typically ask for, and how different income types (salary, bonuses, self-employment, benefits and more) may be treated.

A clear comparison of fixed-rate and variable-rate mortgages for home buyers, including how payments can change, what to consider beyond the headline rate, and practical questions to help you decide.

A clear, practical comparison of tracker-rate and fixed-rate mortgages, helping home buyers understand how each deal works, what to consider, and when each option may suit different priorities.