If you're moving house and you're currently on a fixed rate deal, one of the first questions worth asking is whether you can take your existing mortgage with you rather than starting from scratch.

Understanding what information mortgage lenders are looking for, and how lenders interpret it, can make a significant difference to how your application is received

Should you remortgage or opt for a product transfer, this blog explains the difference.

With base rate currently at 3.75% and the market split on whether the next move is a hold, a small cut or even a small rise, this is one of those decisions where the framing of a mortgage fix matters more than the forecasting.

A look at why mortgages get declined and what you can do.

The mortgage market has had what you might politely call an interesting few months, and whilst none of the fundamentals have changed, several of the practical details that affect what you can borrow and what it will cost you most certainly have. So here is a proper update on where things actually stand if you are planning to buy your first home in the coming months.

Choosing between a fixed-rate and a tracker mortgage is one of the most important decisions borrowers make, yet it is often approached as a simple comparison of rates.

It is a common assumption that mortgage rates move in line with the Bank of England base rate. While the base rate plays an important role, it is not the only factor influencing what borrowers are offered. In reality, mortgage pricing is shaped by a range of moving parts, and understanding these can help explain why rates sometimes rise even when the base rate remains unchanged.

Inflation is often discussed in terms of rising prices, but its influence on the mortgage market is just as significant. It affects not only the cost of borrowing, but also affordability and longer-term financial planning.