UK mortgage guides
Short, sourced guides on the decisions UK borrowers actually face. Each one links to the calculator that runs the numbers for your own mortgage.
Should you overpay your mortgage or save?
The return overpaying earns, what a savings account or ISA has to beat after tax, and the order to do things in.
The 10% overpayment rule and early repayment charges
How the annual allowance works, which balance it is taken from, when the ERC bites, and how to overpay more without paying it.
What happens when your fixed rate ends
The standard variable rate, product transfers and remortgaging, when you can lock in a new deal, and how to soften a payment jump.