Clear, current answers to the questions buyers, movers and homeowners in London and across the UK ask most, from what you can borrow to what the latest rate rise means for you.
The Bank of England raised the base rate to 4% on 5 November 2026. What it means for fixed, tracker and variable rates, and what borrowers should do now.
6 min readRead →First-time buyersThe Your First Home scheme announced in the October 2026 Budget: a 20% government equity loan on new builds with a deposit from 2.5%, London price caps and launch dates.
6 min readRead →AffordabilityHow UK lenders work out how much you can borrow in 2026: income multiples, affordability, the deposit you need, and what it takes to buy at London prices.
7 min readRead →Buying in LondonStamp duty rates in England for 2026, first-time buyer relief, the 5% second home surcharge and worked examples at London prices. Unchanged in the October 2026 Budget.
6 min readRead →Buying in LondonThe minimum deposit for a UK mortgage, what 5%, 10% and 15% look like at London prices, how a bigger deposit lowers your rate, and the schemes that can help.
6 min readRead →Mortgage ratesTwo-year versus five-year fixed mortgages in 2026: rates, flexibility, early repayment charges and how to decide which suits your plans.
5 min readRead →RemortgagingWhen to start your remortgage, product transfer or full remortgage, the six-month window and how to avoid your lender's standard variable rate.
5 min readRead →The processHow long a UK mortgage application takes in 2026, from agreement in principle to offer and completion, how long a mortgage offer lasts, and how to avoid delays.
5 min readRead →AdviceWhat a mortgage broker does, how brokers are paid, what it costs, and when using one makes the biggest difference to your rate and your chances of approval.
5 min readRead →Free guidesDownload our in-depth guides on first homes, remortgaging, buy-to-let, self-employed income, £1M+ lending and more.
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These articles are general information, not personal advice, and figures were correct on 6 November 2026. Your home may be repossessed if you do not keep up repayments on your mortgage.