The knowledge library
Everything we would tell you on the phone, written down.
Nothing here is gated. No PDF to download, no email to hand over, no drip campaign afterwards. If reading it means you decide you do not need a broker, that is a perfectly good outcome and you should keep the money.
How a mortgage application actually works
Every stage from first call to keys, who is doing what, how long each part really takes, and where the delay usually is when it drags.
Read the guide
Deposit and loan to value, explained
Why the rate falls off a cliff at certain percentages, where the bands sit, and how to tell whether saving another few months is worth it.
Read the guide
Fixed, tracker or variable
Two years or five, what an early repayment charge really costs you, and how to choose without pretending you can predict the Bank of England.
Read the guide
What lenders actually check
The documents, the credit file, and the six months of bank statements an underwriter reads line by line. What helps you and what quietly does not.
Read the guide
Stamp duty, without the confusion
The 2026/27 bands for England and Northern Ireland, first-time buyer relief, the 5% surcharge, and when you can claim it back.
Read the guide
How buy-to-let stress tests work
Interest cover ratios, stress rates, why higher-rate taxpayers need more rent, and the four levers that turn a failing deal into a passing one.
Read the guideStart here
Read something you want to act on?
Send us the question the guide raised. We answer real questions from real people every day and it costs nothing to ask.
- The first conversation is free
- No credit check, no hard search
- A reply within one working day
Prefer to talk now? Call 0333 339 7301 or email [email protected].