How do mortgages work?
Read our beginner guide to help you understand what mortgages are and how they work.
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Help with the housing ladder
Mortgage guides and helpful information
Your home or property may be repossessed if you don't keep up repayments on a mortgage.
A guide to buying your first home
Understand the various steps it might take to become a first time buyer.
Valuations and surveys
When you're taking out a mortgage, you'll almost definitely need to have a mortgage valuation.
You may also want to consider optional house surveys too.
Understanding mortgage interest rates
Learn more about mortgage interest rates and why they may increase or decrease.
Freehold vs leasehold properties
Take a look at our guide and find out more about freehold vs leasehold properties and what the differences are.
What is Stamp Duty and how does it work?
Learn about what stamp duty is, how it work and how much it might be with our handy guide.
Help to Buy & other home ownership schemes
The government offers various schemes to help people looking to buy their first home.
Learn more about Help to Buy and other home ownership schemes
More first mortgage guides
Applying as a first time buyer guide
Read through our guide for buying your first home.
Costs of buying a home guide
Get an understanding of some of the potential costs involved with a property purchase.
Mortgage jargon buster
There's lots of terminology you might hear or read when buying a home. Demystify the process with our handy jargon buster.
Mortgage deposits
Learn more about how much deposit you may need for a mortgage and how mortgage deposits work.
How does mortgage equity work?
Equity is an important concept to understand when taking out a mortgage. Learn more here.
What is the mortgage guarantee scheme?
Learn about how this scheme could help you get a 91 - 95% mortgage.
Guidance on buy to let mortgages
A buy to let mortgage is designed for when you are buying a property to rent out to others.
Becoming a landlord can be challenging. Our guide might help with answering some of the most common questions.
Applying for a mortgage when moving home
Understand some of the things you may need to consider when applying for a moving home mortgage.
Taking your mortgage with you
Learn more about how you may be able to take your existing mortgage with you.
What about remortgaging?
A remortgage is when you move the mortgage you currently have on a property to another lender.
There's a few things to consider if you're thinking about remortgaging. Check out our remortgaging frequently asked questions
You might also be interested in our remortgaging stories, shedding some light on why homeowners surveyed in 2020 chose to remortgage.
Sustainable mortgages and housing
As our climate becomes more and more important, the way we build, heat and run our homes is a consideration for everyone.
Understanding EPC Certificates
Learn more about Energy Performance Certificates and how they work.
5 ways to reduce your energy bills
Saving money and living sustainably - what's not to like?
What are green mortgages?
A green mortgage could be an option if your property has a certain EPC rating.
The Shostra Bank Greener Homes Attitude Tracker
Our quarterly analysis provides insight into consumer attitudes towards energy efficient housing in the UK.
Other mortgage guides and helpful information
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