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Mortgages, explained simply

Plain-English guides written by our mortgage specialists. No jargon, no fluff โ€” just the stuff you actually need to know.

Essential read

The Complete First-Time Buyer's Guide to Getting a Mortgage in 2025

Everything you need to know โ€” from understanding your credit score to what happens on completion day. This is the guide we wish existed when we started.

Read the guide 12 min read
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Deposits
How much deposit do you actually need in 2025?
The 10% rule explained, how LTV affects your rate, and the smartest ways to save faster โ€” including the LISA.
JC
Jamie Clarkeยท5 min read
๐Ÿ’ณ
Credit
What your credit score actually means for a mortgage
Your Experian score isn't what lenders use. Here's what they actually look for, and how to fix the things that matter.
JC
Jamie Clarkeยท7 min read
๐Ÿงพ
Self-Employed
Getting a mortgage when you're self-employed: a complete guide
It's not as hard as you think โ€” but there are things you need to prepare. What lenders want to see from sole traders and directors.
SP
Sam Patelยท8 min read
๐Ÿฆ
The Application
What happens when you apply for a mortgage?
A step-by-step walkthrough of the full mortgage application process โ€” what to expect, what documents you'll need, and common pitfalls.
AM
Alex Morganยท6 min read
๐Ÿ’ธ
Affordability
How much can you actually borrow? The 4.5ร— rule and beyond
Most lenders use income multiples โ€” but there's more to it. How stress tests, debts, and dependants affect your maximum loan.
JC
Jamie Clarkeยท5 min read
๐Ÿค
Schemes & Help
Government schemes for first-time buyers in 2025
LISA, Shared Ownership, First Homes โ€” what's still available, what's changed, and which scheme might be right for you.
AM
Alex Morganยท6 min read

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