If you're considering overpaying your mortgage, here's what's worth knowing before you start sending extra payments to your lender.

Whether you're buying with a partner, a friend or a family member, there are some important practical and legal considerations that are worth getting your head around before you apply, because they affect not just how the mortgage works but what happens to it if circumstances change down the line.

Securing a mortgage in principle before you begin your house search can give you a significant advantage.