Guides & insights
Mortgage and protection guides, in plain English
Practical answers to the questions our clients ask most - written by our advisers, not a content farm.
First-time buyers
How Much Deposit Do I Need for a Mortgage in 2026? 5%, 10% and LTV Explained
You will usually need at least 5% of the property price, though 10% or more can open up better rates. Here is how deposit size and LTV work in 2026.
11 September 2026 12 min read
Read guide First-time buyersHow Much Can I Borrow for a Mortgage in the UK? 2026 Affordability Guide
A common starting point is 4 to 4.5 times your annual income, but lenders also weigh your debts, spending, deposit, credit history and mortgage term.
21 August 2026 13 min read
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