Educational use only. Not financial, investment, tax or legal advice.
Housing

Overpay Your Mortgage By How Much: The Numbers By Rate Band

What £100, £200, or £300 a month overpayment actually saves over 5, 10, and 20 years at 3.5%, 4.5%, 5.5%, and 6.5%. Worked examples with real UK numbers and one specific action for before 31 August 2026.

19 July 2026Syd Lawrence
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Housing

Got a Mortgage Offer: The Monthly Commitment Number Most People Miss

You received a mortgage offer. The letter is on the kitchen table. Here is the monthly commitment calculation that surprises most first-time buyers, and the stress test to do before 31 August 2026.

18 July 2026Syd Lawrence
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Housing

Got a Mortgage Offer: What to Do When You See the Monthly Figure

You received a mortgage offer. The monthly payment is more than you expected. Here is exactly what to do and what the bank did not tell you.

15 June 2026Syd Lawrence
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Housing

UK Mortgage Affordability: The Worst Since 2008. What It Means For You

UK mortgage affordability is at its worst since 2008. Here is what that actually means for your mortgage payments and what you can do about it.

10 April 2026Casey Reed
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Housing

Renters Rights Act 2026: What to Do Now

The Renters Rights Act is now law. If you rent in England and have been putting off financial decisions because renting felt too insecure, here is what actually changes for your money.

5 April 2026Syd Lawrence
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Housing

UK Mortgage Affordability: The Worst Since 2008

UK mortgage affordability is at its worst since 2008. If you are a first-time buyer or your fixed mortgage deal is ending, here is what the numbers actually mean for you.

4 April 2026Casey Reed
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Housing

First Time Buyer Planning

Everything you need to know about saving for your first home. From deposit savings schemes to mortgage readiness, we cover it all.

25 March 2026Syd Lawrence
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