Mortgage, Property and Money Advice Hub
Practical guides on mortgages, property, household finances, insurance and running a business, all in one place.
Browse our guides by topic
This hub brings together practical guides from across the site, covering mortgages, remortgaging, buy to let, first time buyers, household finances, insurance, savings, landlords and business topics.
Pick a topic below. If you cannot find what you need, the quickest route is usually a short conversation, and the first one is free.
Mortgage Guides
Explore articles on mortgage basics, remortgaging, fixed rates, low-income applications, equity releaseEquity release is a way for homeowners, typically aged 55 or... and the questions borrowers ask before they apply.
- 4 Tips On Buying a House as a First-Time Buyer
- A Guide to Mortgage Approval on a Low-Income
- Advantages for Landlords in the Current Market: Reduced Taxes and Decreasing Buy-to-Let Mortgage Rates
- Answering The Most Frequently Asked Questions About Mortgages
- Are Sub-4% Mortgage Deals Gone in the UK? What It Means for You in 2026
- Benefits of Using a Specialist Mortgage Broker in London
- Buy to Let: Best Mortgage Advice to Rent in Liverpool
- Commercial Mortgages
- Common Misconceptions About Equity Release
- Critical Facts About Fixed Rate Mortgages
- Decoding the Intricacies of Mortgage Auditing: A Comprehensive Guide
- Demystifying the Modern Mortgage Maze: Unconventional Paths to Homeownership
- Did you finally get your mortgage approved? It’s time to move in
- Essential Tips for First-Time Buyers to Get on the Property Ladder
- From Student Accommodation to Your First Mortgage: A Beginner’s Guide
- Guide to Navigating Chesterfield’s Housing Market for First Time Buyers
- Guide to Understanding Buy-to-Let Mortgages
- How Does A Green Mortgage Work?
Property and Landlord Advice
Useful reading for home buyers, landlords and homeowners, including rental issues, home improvements, resale value and property-related legal considerations.
- 12 Exterior Home Improvements That Will Increase Resale Value
- 5 Legal Must-Knows for Landlords: Expert Advice You’ll Wish You Had Sooner
- An Affordable Solution for House Insulation
- Apartment Living Hacks: Save Space, Money, and Sanity
- Building a Rental Property Portfolio: Mistakes That Stop Growth
- Consumer Rights and Estate Agents: What Buyers and Sellers Should Expect
- Divorce, Debt, or Downsizing? Why Quick House Sales Make Sense
- Four Safety Requirements for Rental Properties
- From Housekeepers to Chefs: How a Domestic Staff Agency Can Simplify Your Life
- How To Calculate Your Household Maintenance Budget
- How to Become a House Caretaker in the UK
- Key Aspects of Rental Property Upkeep: From Plumbing to Paint
- Navigating International Real Estate: A Guide To Buying A House Abroad
- Preparing to Begin Your House Search
- Property Advice: When Should You Replace Everyday Household Items?
- Rent-to-Rent Explained: Can Guaranteed Agreements Protect Your Mortgage
Money and Savings
Content focused on savings, ISA planning, money mistakes, financial resilience and practical ways to improve day-to-day financial decision-making.
- 12 Charities That Help and Support Low Income Families
- 5 Financial Plans to Set Before Your Next Trip Abroad
- 5 Tips to Get The Most Out of Your ISA Allowance Before the April 5th Deadline
- 5 Practical Savings Tips for a Property Deposit
- A Practical Guide to Setting and Hitting Your Savings Targets
- Beating the Cost of Living Crisis: Heating Advice
- Common Money Mistakes and How to Avoid Them
- From Savings to Security: How to Create a Retirement Plan That Works
- Guide to Saving Money and Budgeting for a Home
- How to Save Money on Motorhome Insurance: Practical Tips and Tricks
- Save Money on HVAC Costs with Regular Air Duct Cleaning
- Smart Money Moves: Financial Tips Every Student Should Embrace
- Top Tips for Successfully Applying for a UK Skilled Worker Visa
Insurance and Protection
Guides covering life insurance, protection planning and important considerations when choosing the right cover.
- 5 Essential Factors for New Car Owners Trying to Buy Insurance
- A Guide to Securing Life Insurance with MS
- Demystifying the Key Differences Between Public Liability and Professional Indemnity Insurance
- Do You Have the Right Car Insurance? Comprehensive vs. Third-Party
- Financial Planning for Every Life Stage: From Income Protection to Retirement
- How To Ensure Business Asset Protection in a Remote Working Model
- Mastering Business Car Insurance: Tips for Finding the Right Policy
- Navigating GDPR Requirements: Data Protection in Mortgage Brokering
- Short-term vs Annual Car Insurance: Which is Better for Young Drivers?
- The Best Types of Life Insurance for Over-50s
- Understanding Construction Insurance for Project Success
- What to Do with Your Partnership Protection When a New Partner Joins?
- Why Airbnb Hosts Need Dedicated Home Insurance Cover
Business and Work
Advice for business owners, professionals and people building careers, covering finance, payments, productivity and practical workplace topics.
- 12 Challenges With Microservices Architecture and How to Avoid Them
- 3 Sustainability Trends to Watch for UK Businesses
- 4 Ways Business Banking Payment Solutions Can Boost Your Bottom Line
- 6 Workplace Trends That Are Big in 2023
- 7 Steps to Starting a Successful Business in College
- 8 Essential Soft Skills Required for Professional Coaching
- A Future-Proof Business: Financing Strategies for Long-Term Success
- A Quick Guide To Running A Business Out Of A Self Storage Unit
- Accounting Benefits In the UK: 5 Crucial Benefits Of Business Accounting Outsourcing
- Are You Prepared for Your Business Interview?
- Business Tips: Why Is It Important to Hire a Content Writer?
- Creating Business Text Marketing Campaigns that Convert
- Decoding the Complexities of E-Invoicing for Business Growth
- Do You Need To Outsource Your Accounting?
- Employee Financial Well-Being Programs Every Business Should Offer
- Ensuring Your Business is GDPR Compliant
More guides
Other guides from across the site that people ask about most often.
- Getting a Mortgage for Ukrainian Refugees
- Is Santander New Product a good mortgage choice for first-time buyers in the UK in 2026?
- Life Insurance for Firefighters: Ensuring Your Peace of Mind
- Mortgage Broker Ilkeston
- The Ins and Outs of Small Business Loans for Trucking
- The Top Trends in Contemporary Sectionals for Stylish Homes
- Trussle Mortgage vs. Local and Virtual Mortgage Brokers
- Understanding a £350,000 Mortgage
- Why Families Are Shelling Out for Chiswick: Paying the Price to Live Near the Best Schools
General mortgage guides
Everything else people ask us about most often.
- A Comprehensive Guide to BNO Visa Mortgage in the UK
- A List of All the Supporting Documents for Form I-485
- About Us
- Affect of Gambling Activities On Mortgage Application
- Areas We Cover
- Buy to Sell Mortgages: A Comprehensive Guide for UK Investors
- Can I get a mortgage on a mortgage-free property?
- Can I get a mortgage with parents?
- Can You Get a Secured Loan Without a Mortgage?
- Comprehensive Guide to Buying a House From a Housing Association
- Comprehensive Guide to Mortgages for Serviced Accommodation
- Digital Mortgages Explained: Simplify Your Home Buying Process
- Everything You Need to Know About Getting a Mortgage with a Partner Not Married
- Exploring Offshore Mortgages in the UK
- Family Opportunity Mortgage: Guide for UK Landlords and Property Investors
- From Inquiries to Appeals: Essential Formal Letters in Personal Finance
- Further Advance Mortgage
- Gambling Mortgages – Does gambling affect mortgage application?
- Getting a modular home mortgage
- Getting a mortgage with a Deed of Trust
- Good Mortgage Lenders: Find the Best Rates and Deals for Your Need
- How Does a Mortgage Loan UK Work? The Honest Guide
- How Mortgage Advisers Get Paid Explained?
- How Much Do I Need to Earn to Get a Mortgage of £250,000 in the UK?
- How Much Does Workers’ Compensation Pay?
- How Smart Goals Can Help Your Sales Team Achieve Greater Success This Year
- How to Start a Mortgage Company and Broker Business From Scratch
- Impact of School Fees on Mortgage Affordability
- Is it better to get a mortgage from the bank or broker?
- Joint Mortgage with Friends: Your Path to Homeownership
- Legal Name Change in the UK
- Letter of Approval Mortgage
- Mortgage Based On Net Profit
- Mortgage Broker in Colchester
- Mortgage Broker in Staines-upon-Thames 2026
- Mortgage Less Than 2 Years in UK
- Mortgage Loan Guide for UK Landlords and Property Investors
- Mortgage When Deposit is From Abroad
- Mortgage When Relocating
- Mortgage for house without a Kitchen
- Mortgage for over 60s in the UK
- Mortgage on Property in High-Risk Flood Zone
- Mortgage prisoner: what it means, your options, and a simple plan to escape
- Mortgage with Concessionary Purchase
- Mortgages and Japanese knotweed and other invasive plants
- Mortgages for Barn Conversions
- Mortgages for Flats Above Commercial Premises
- Mortgages for Seniors: Lenders Offering Loans Up to Age 80
- My Partner Owns the House
- Navigating the Mortgage Application Process: Dos and Don’ts
- Paying Off Your Mortgage Early in the UK: Hidden Drawbacks and Smart Alternatives
- Proven Methods to Grow Your Wealth Slowly Over Time
- Second Charge Mortgage with Bad Credit: A Guide for UK Homeowners
- Self Build Mortgages: Your Comprehensive Guide
- Simon Review
- Step-by-Step Guide
- The Ultimate Guide to Professional Mortgages for Solicitors
- The Ultimate Guide to SBA Loans: Terms, Options, and Benefits
- Track Record Mortgages: A Path to Homeownership for First-Time Buyers
- Ultimate Guide to Mortgage Capacity Reports
- Understanding Mortgages in a Recession: A Comprehensive Guide for 2024
- Unlocking the Door to Shared Housing Mortgages in the UK
- What Does a Mortgage Broker Actually Do and How to Choose the Right Mortgage Broker in Glasgow? (A Practical Checklist for Homebuyers)
- What Is a Seafarer? Roles, Challenges, and Life at Sea
- What You Need to Know About Estate Planning in the UK?
- What amount of fees do mortgage brokers charge?
- What are Conventional Loans
- What is Key Person Insurance? and Why you need it!
- What is a Busbar and What is it Used For?
Income and affordability
How lenders read different income situations and what they will lend against them.
- Age Requirement for Mortgages with Employment Income
- Getting a mortgage while on maternity leave
- How Much Mortgage Can I Get on a £70,000 Salary? A Complete Guide
- Understanding Mortgage Eligibility with Short-Term Employment
- What Salary Do You Need for a £200,000 Mortgage in the UK? (2024 Guide)
- What is the Monthly Cost of a £300,000 Mortgage at 6%?
Remortgaging and product transfers
What happens when your deal ends, and how to weigh a new lender against staying put.
- A Borrower’s Guide to Mortgages with and Without Product Fees
- Aldermore Product Transfer and Rate Switches
- Cambridge Building Society Product Transfer and Rate Switches
- Can you add legal fees to your remortgage?
- Chelsea Building Society Product Transfer and Rate Switches
- How to Remortgage for a House Extension in the UK?
- Metro Bank Product Transfer and Rate Switches
- Our Guide to Day 1 Remortgages
- Post Office Bank Product Transfer and Rate Switches
- Remortgage After Separation: Your Options
- Remortgaging When House Value has Increased
- Royal Bank of Scotland (RBS) Product Transfer and Rate Switches
- The Mortgage Works Product Transfer and Rate Switches
- What is a Product Fee on a Mortgage? Hidden Costs and Smart Savings Explained
Later life and retirement
Age affects term length and affordability. These guides cover borrowing later in life.
- Equity Release Payback on Death
- Equity Release To Pay Off Interest Only Mortgage
- Equity Release for Tenants in Common
- Equity Release with No Early Repayment Charges: Get the Best Deal
- Mortgage For Elderly Parents
- Mortgages For Over 60s
- Why You Should Consult a Pension Adviser in Edinburgh for Your Retirement Planning
Commercial and bridging finance
Short term and business lending, where the exit route matters as much as the loan.
Local adviser guides
Guides written for particular towns and regions.
Relationship and family changes
Buying someone out, adding a partner, or restructuring after a separation.
Property, letting and landlords
Letting a room, extending, or buying with tenants in place.
Protection and insurance
Life cover, critical illness and income protection alongside a mortgage.
Common questions
What is covered in this advice hub?
Guides on mortgages and remortgaging, property and landlord issues, household money and savings, insurance and protection, and business and work topics.
Do you charge for mortgage or protection advice?
The first conversation is free and there is no obligation. Any fee is explained clearly and in writing before you commit to anything.
Are these guides personal advice?
No. They are general information. A recommendation can only be made after a proper assessment of your own circumstances.
How do I get advice on my own situation?
Get in touch and we will match you with the right adviser. We work whole of market across mortgages and protection.
Speak to an adviser
Damian Youell
Damian is the founder of NeedingAdvice.co.uk and the firm’s Senior Mortgage Broker. He specialises in helping clients across the UK with straightforward and complex mortgage cases, including self-employed applications, adverse credit, buy-to-let, remortgages and first-time buyer mortgages.
Alongside mortgage advice, Damian also supports business owners with protection planning, including Relevant Life Policies, Shareholder Protection and Keyperson Cover.
Read independent client feedback and verified reviews for Damian and the NeedingAdvice.co.uk team below.
Your home may be repossessed if you do not keep up repayments on your mortgage. Needing Advice provides independent, FCA regulated mortgage and protection advice. The guidance on this page is general information and not personal advice. Any recommendation is based on your own circumstances.