Property & Mortgage Guides

The April 2025 changes made stamp duty significantly more expensive for most buyers. Here's exactly how it works — England, Scotland, Wales — and what you'll owe.

Why you pay mostly interest in the early years, what drives your monthly payment up or down, and how overpaying early can save tens of thousands in interest.

Income multiples are just the starting point. Credit history, outgoings, deposit size and the lender's stress test all shape the actual offer — here's how it works.