Mortgage guides
Short answers.
Useful numbers.
Short, source-backed answers to the questions behind your mortgage.
How big a mortgage can I get?
Income, deposit and the two limits that shape the answer.
Read →Income multiplesHow mortgage income multiples work
What 4.5× means—and what it leaves out.
Read →Deposit and LTVHow deposit and LTV change mortgage cost
Why the same home can cost less with a larger deposit.
Read →Rate and termHow rate and term change mortgage payments
The two controls that reshape monthly and lifetime cost.
Read →Property taxStamp Duty and land tax across the UK
The same price can produce different tax across the UK.
Read →Home costsThe costs of buying and owning a home
The costs beyond the deposit and mortgage payment.
Read →Term comparison25 vs 30 vs 35-year mortgages
Lower monthly payments versus higher lifetime interest.
Read →MethodologyHow the calculator works
Borrowing, repayments, costs, limitations and sources.
Read →Want a number first?Browse examples