Mortgage guidance
Straight-talking guides for mortgage clients.
Browse guidance by topic. Share any of these links with anyone you like — they explain the essentials so mortgage decisions are easier to make.
Guidance library disclaimer
The documents, guides, articles and resources contained within this library are provided for informational purposes only and were accurate to the best of our knowledge at the date of publication or upload. Financial services regulation, lender criteria, insurer products and provider documentation can change over time. Whilst My Mortgage & Protection Experts endeavours to maintain current and accurate information, we cannot guarantee that all content will remain up to date indefinitely. Clients should seek personalised advice before making financial decisions based on the information contained within this portal.
Understanding mortgages
Start here for the core concepts clients need before comparing products or applying.
A Complete Guide to Mortgages
Our full plain-English guide for first-time buyers, home movers and remortgage clients — deposits and affordability, mortgage types, the buying and remortgage process, fees, surveys, legal work and protection. Reviewed September 2026.
What affects mortgage interest rates?
A practical explanation of Bank Rate, market expectations, lender pricing and how your own circumstances affect the mortgage products available to you.
Understanding mortgage affordability
How lenders assess borrowing — income, commitments, household costs, credit profile and mortgage design — plus the costs beyond the monthly payment and how to prepare.
Understanding Mortgage Lender Criteria
How lenders assess income, affordability, credit history, deposits, supporting evidence and property suitability.
Fixed-rate vs tracker mortgages
A practical guide to certainty, flexibility and mortgage risk — how fixed and tracker products work, the trade-offs and what to consider before deciding.
Buying a home
Guidance for clients preparing to purchase, especially first-time buyers.
First-Time Buyer Support
A practical guide to deposits, family support, low-deposit mortgages, affordable home ownership options and getting ready to buy.
Moving Home
A practical guide to selling, buying, porting your mortgage, budgeting for the move and preparing for a successful purchase.
Moving Home Client Checklist
A downloadable checklist covering mortgage preparation, budgets, property documents, surveys, completion steps and protection reviews.
Reviewing and managing your mortgage
For clients who already have a mortgage and are deciding what to do next.
Remortgaging your mortgage
A practical guide to timing, costs and mortgage review strategies — product transfers vs external remortgages, additional borrowing and how to prepare.
Mortgage overpayments
How overpayment allowances work, what paying extra could save, and the points to consider when deciding whether to overpay or save.
Borrowing more or changing the debt structure
For decisions where the client may increase borrowing, fund works or consolidate existing debts.
Borrowing additional funds
A practical guide to further advances, remortgaging with additional borrowing and second charge mortgages — costs, alternatives and how to prepare.
Home improvements
Planning, funding and improving your property — budgets, permissions, contractors, funding options and protecting future value.
Guidance if debt consolidating using a Mortgage
What happens when you add credit cards or loans to your mortgage — secured vs unsecured debt, total cost over time, lender fees and why we show you six illustrations.
Protecting your home and family
Mortgage decisions and protection planning often sit together, especially when a household relies on income to keep the home.
You can also book a mortgage review or head back to the main menu.