Mortgage knowledge command centre
Find the right mortgage, property and protection answer faster.
Choose the situation, open the right guide, compare tools and move from question to next step without getting lost in a flat article list.
Client intent navigator
Tell us what you are looking for and we will surface the right resources.
Start by choosing the situation that matches the client. The library then shows articles, explainers, case studies and tools that match what you are trying to understand.
First-time buyer mortgages
Deposits, affordability, lender checks, agreement in principle and the buying process.
Open resource GuideMortgage decision in principle explained
What a DIP is, what lenders check and how to use it properly.
Open resource GuideGifted deposits and family support
Family help, gifted deposits and lender evidence explained.
Open resource CalculatorMortgage repayment calculator
Estimate monthly repayments before speaking to an adviser.
Open tool CalculatorStamp duty calculator
Estimate purchase costs before moving home.
Open tool GuideMoving home mortgage guide
Selling, buying again, timing, affordability and moving-home checks.
Open resource GuidePorting your mortgage
Compare porting your existing mortgage with arranging a new deal.
Open resource GuideNew build mortgages
Reservations, incentives, deadlines and lender checks.
Open resource GuideShared ownership mortgages
Part buy, part rent affordability and lender requirements.
Open resource CalculatorStamp duty calculator
Estimate purchase costs before moving home.
Open tool GuideRate switch or remortgage?
Compare staying with your current lender against a full remortgage.
Open resource GuideRemortgage guide
Review your options when your current mortgage deal is ending.
Open resource CalculatorMortgage repayment calculator
Check how rate, term and loan size may affect payments.
Open tool CalculatorEarly repayment charge calculator
Estimate whether switching early may be worth discussing.
Open tool GuideBuy-to-let mortgages
Rental calculations, deposit requirements and landlord criteria.
Open resource GuideLimited company buy-to-let
Company structures, rental stress tests and lender checks.
Open resource GuideLarge loan mortgages
High-value borrowing, affordability and lender appetite.
Open resource GuideSelf-employed mortgages
Accounts, net profit, salary, dividends and trading history.
Open resource GuideContractor mortgages
Day-rate income, contract history and lender criteria.
Open resource GuideBad credit mortgages
Defaults, CCJs, missed payments, IVAs and DMPs.
Open resource GuideCompany director mortgages
Salary, dividends, retained profit and company performance.
Open resource GuideLimited company director mortgages
Limited company income, accounts and lender calculations.
Open resource GuideNewly self-employed mortgages
Options where trading history is short or newly established.
Open resource GuideCIS mortgages
Construction Industry Scheme income and specialist lender checks.
Open resource GuideFreelancer mortgage advice
Irregular project income, contracts and evidence.
Open resource GuideComplex income mortgages
Multiple income streams, variable earnings and lender selection.
Open resource GuideKey worker mortgages
Mortgage routes for key workers and professional income.
Open resource GuideDebt management plan mortgages
DMP mortgage considerations and lender appetite.
Open resource GuideIVA mortgages
Mortgage options after or during an IVA.
Open resource GuideBankruptcy mortgage advice
Mortgage considerations after bankruptcy.
Open resource GuideDefault mortgages
Mortgage options where defaults appear on your credit file.
Open resource GuideCCJ mortgages
County Court Judgments, deposits and lender criteria.
Open resource GuideIs equity release a good idea?
Pros, cons, risks, alternatives and suitability for homeowners aged 55 and over.
Open resource GuideHow does a lifetime mortgage work?
Ownership, interest roll-up, repayments, drawdown and what happens later.
Open resource GuideHow much equity release can I get?
Age, property value, health, lender criteria and estimates explained.
Open resource GuideEquity release interest rates and costs
Rates, fees, repayment options, interest roll-up and long-term cost.
Open resource GuideEquity release and inheritance
How releasing equity may affect your estate and family conversations.
Open resource GuideEquity release and benefits
How equity release may affect means-tested benefits.
Open resource GuideIs equity release safe?
Regulation, safeguards, advice rules and key risks.
Open resource GuideAlternatives to equity release
Downsizing, RIO mortgages, remortgaging, savings and family support.
Open resource GuideCan I use equity release to pay off my mortgage?
Repaying an existing mortgage with equity release and what to check first.
Open resource GuideCan I move house with equity release?
Moving home, porting, property checks and early repayment charges.
Open resource GuideCan I pay off my equity release early?
Early repayment charges, flexible payments and repayment features.
Open resource GuideLump sum vs drawdown equity release
Compare taking funds upfront or releasing money in stages.
Open resource GuideEquity release for home improvements
Using property wealth for repairs, changes or adaptations.
Open resource GuideTaking equity release to gift money to family
Helping children or grandchildren while understanding risks.
Open resource GuideShould I wait to take equity release?
Timing, age, property value, suitability and rate considerations.
Open resource GuideProtection advice
Life cover, critical illness cover, income protection and mortgage protection explained.
Open resource CalculatorProtection needs calculator
Estimate the cover you may want to discuss with an adviser.
Open tool CalculatorLife insurance calculator
Estimate life cover for mortgage debt and family needs.
Open tool CalculatorIncome protection calculator
Estimate monthly income support if illness or injury stops work.
Open tool CalculatorCritical illness calculator
Estimate a lump-sum cover gap for serious illness planning.
Open toolWeekly news desk
The week in mortgages, property and lending, summarised.
Read the latest weekly digest, then look back through practical routes for remortgaging, buying, moving and later-life lending.
Latest roundup
This week in mortgages and property.
A quick view of the main mortgage, property, rate and lender stories clients should understand this week.
- Selected lenders adjusted fixed-rate products.
- First-time buyers focused on deposit size and realistic affordability.
- Later-life lending questions centred on costs, alternatives and inheritance impact.
Selected fixed-rate changes
Compare current lender options against a wider remortgage review.
Read guideFirst-time buyer affordability notes
Deposit, income, monthly payments and agreement-in-principle checks.
Read guideProperty market headlines
Moving-home affordability, sale timing, purchase costs and lender checks.
Read guideEquity release question of the week
What to check before deciding whether equity release may be suitable.
Read guideLender, rate and property updates
A live-feeling update board for market movement.
Track updates that can shape mortgage and later-life lending decisions, including interest rate movement, lender criteria, affordability changes and product features.
Case journeys
Real-life style scenarios that show how advice works.
Example journeys based on common client situations. Each case opens a relevant page instead of a dead card.
Gifted deposit and first home
Family support, deposit evidence and affordability checks.
View scenario DirectorCompany director income
Salary, dividends and business profit used correctly.
View guide Rate endingDeal ending in 6 months
Rate switch, remortgage and product transfer checks.
View guide Family supportHelping family with a deposit
Later-life lending and family gifting considerations.
View guideCalculator cockpit
Useful calculators that turn research into action.
Use them for planning, then speak to an adviser before making decisions.
All calculators
Open the full calculator command centre with the complete suite of mortgage, equity release and protection tools.
Open hub Monthly paymentMortgage repayment calculator
Estimate monthly repayments by loan size, interest rate and term.
Use calculator BorrowingHow much can I borrow?
Get a broad borrowing guide based on income.
Use calculator Buying costsStamp duty calculator
Estimate purchase tax and wider buying costs.
Use calculator Equity releaseEquity release calculator
See what may be possible before suitability checks.
Use calculator ProtectionProtection needs calculator
Estimate cover across mortgage, income and family needs.
Use calculatorDecision pathway
Choose a situation and unlock the strongest next route.
This is designed like an adviser triage board: pick the starting point, then compare the route, tools and guide that make sense before taking action.
Buying a home.
Compare deposits, affordability, agreement in principle, monthly costs, lender criteria and the timing of your application.
Final checkpoint
Ready to choose the right route?
Start with the resources, use the calculators, compare scenarios and then speak to The Mortgage Hive for advice tailored to your circumstances.
- Understand the options
- Compare the risks
- Speak to an adviser