Mortgages, minus the mystery.
A mortgage is most people's biggest financial decision, and the industry doesn't make it easy to understand. These plain-English guides and tools come from a fully qualified UK mortgage & protection adviser, so you can walk in knowing exactly what's going on.
The mortgage guides
Work through them in order, or jump straight to the question on your mind. New guides land regularly.
The journey, end to end
What actually happens and when: from budgeting and decision in principle to keys in hand, plus what happens when your rate ends.
Read the guideBroker or direct?
What brokers actually do, how they're paid, when direct is fine, and why expats often have to compare deals themselves.
Read the guideSurveys & valuations
Lender valuation vs Level 1, 2 and 3 surveys: what each covers, what they cost, and which one your property actually needs.
Read the guideRates & getting a good deal
Fixed vs variable, the reversion-rate trap, why a lower rate with a big fee can cost more, and how to compare deals the way an adviser does: total cost, not the headline.
Read the guideConveyancing & the legal side
Searches, enquiries, exchange and completion, in order, with why each takes as long as it does, what you can do to speed it up, and the title-deeds question in Cyprus.
Read the guideMortgages when moving abroad
Bigger deposits, lending in a currency you may not earn in, going direct to lenders, the title-deeds question, and what to do about the UK mortgage you left behind.
Read the guideRun your numbers, then talk them through
Free calculator first; a real conversation when you're ready.
Mortgage Calculator
Instant repayment and affordability estimates. Know your ballpark before anyone else does.
Open the calculatorTalk to a qualified adviser
A free 15-minute intro, or a full hour on your exact situation for €75. Guidance, not sales.
Educational guidance, not regulated financial advice. We don't recommend specific products or lenders, and nothing here replaces advice from a regulated adviser who knows your full circumstances.
Latest from the money desk
Practical, plain-English reads to help you move, manage and grow.
Conveyancing: What Your Solicitor Is Actually Doing All That Time
Searches, enquiries, the draft contract, exchange and completion, in order, with why each one takes as long as it does, what you can do to speed it up, and where Cyprus plays by different rules.
Read articleFunds, Fees, and Why Costs Matter More Than You Think
What a fund actually is, index versus active explained without a side, how to read a factsheet, and the arithmetic of a one percent fee over thirty years, which is larger than almost anyone expects.
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A blockchain is a shared ledger nobody owns. What a coin is, what a wallet really holds, why a lost key is gone forever, and why an exchange is not a bank. Education, not a recommendation.
Read articleTalk through your mortgage
Buying, remortgaging, or just weighing your options? Tell us where you are and what you'd like to feel clearer about. Plain-English answers, guidance not sales.
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