Mortgage Types Explained

Plain-English guides to the main UK mortgage types — fixed, tracker, variable, interest-only and more — and how to choose between them.

39 Articles
listed building
Mortgage Types Explained

Listed Building Mortgage (2026): Grade II, II* & I Explained

Situations · Property Types · Updated September 2026 Listed Building Mortgages (2026): Which Lenders Say Yes Grade II listed homes — 92% of...

September 22, 2026
flood risk mortgage
Mortgage Types Explained

Flood Risk Mortgage: Yes, You Can Get One — Here’s How (2026)

Situations · Property Types · Updated September 2026 Flood Risk & Mortgages (2026): Getting Approved Yes, you can usually get a mortgage on...

September 22, 2026
2 year vs 5 year fixed guide
Mortgage Types Explained

2-Year vs 5-Year Fixed Mortgage (2026): Which Wins?

Comparisons · Fixed Rates · Updated September 2026 2-Year vs 5-Year Fixed Mortgage (2026): Which Wins? In a normal year a 2-year fix...

September 10, 2026
new build flat mortgage
Mortgage Types Explained

New-Build Flat Mortgages (2026): Why Lenders Lend Less

Situations · New-Build Flats · Updated September 2026 New-Build Flat Mortgages (2026): Why Lenders Lend Less & What to Check Lenders treat a...

September 10, 2026
how does a mortgage work
Mortgage Types Explained

How Does a Mortgage Work? A Simple, Jargon-Free Guide for Beginners

Mortgage Basics · The Complete Guide · Updated September 2026 How Does a Mortgage Work? (2026): The Complete Beginner's Guide A mortgage is...

September 1, 2026
does a loan affect mortgage
Mortgage Types Explained

Your Loan Could Cost You £10,800 in Borrowing (2026)

Mortgage With/After · Loans & Affordability · Updated August 2026 Does a Loan Affect a Mortgage? (2026): How Much Less You Can Borrow...

August 28, 2026
10 year fixed mortgage
Mortgage Types Explained

10-Year Fixed Mortgage: Smart or a Decade-Long Trap?

Products & Rates · Fixed Rates · Updated August 2026 10-Year Fixed Mortgages (2026): Is Locking In for a Decade Worth It? A...

August 26, 2026
umbrella company mortgage
Mortgage Types Explained

Umbrella Company Mortgages (2026): Borrow on Day Rate

Self-Employed · Contractors (Umbrella) · Updated August 2026 Umbrella Company Mortgages (2026): Borrow on Your Day Rate, Not Your Net Payslip Work through...

August 17, 2026
chain free meaning
Mortgage Types Explained

What Does Chain Free Mean? (2026) Buyer’s Guide

Buying Process · Property Chains · Updated August 2026 What Does "Chain Free" Mean? (2026): The Buyer's & Seller's Guide "Chain free" means...

August 14, 2026
House Survey Types explained
Mortgage Types Explained

House Survey Types (2026): RICS Level 1, 2 & 3 Explained

Buying Process · Surveys · Updated August 2026 House Survey Types Explained (2026): RICS Level 1, 2 & 3 — and Which You...

August 14, 2026
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