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Mortgage Guides

A mortgage is a huge commitment that requires a lot of consideration and research. At The Mortgage Genie, we understand you need all the information you can get, so we’ve created these mortgage guides to help you get to grips with the whole process.
From deciding what mortgage to apply for all the way to renegotiating an existing mortgage, our easy-to-follow guides will have you covered. We’ve also got mortgage calculators that will help you to budget for the future.
Our support doesn’t end there though: if you have any extra questions, get in touch with our insurance and mortgage advisors for free on 033 33 44 33 72.
Explore our range of mortgage tips and FAQs below, and don’t forget to keep up with the latest news on our blog.

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How does help to buy work

How does Help to Buy work?

If you’re struggling to afford your first home, then Help to Buy could be the financial lifeline you need. Help to Buy is made up of three different schemes: the Equity Loan, the ISA, and Shared Ownership. These have allowed a huge number of people…

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How to get a mortgage

How to get a mortgage

If you’re a first-time buyer, then you’ll already know that it’s not easy to get on the property ladder in the current housing market. The value of deposits is increasing with property prices, and mortgage providers have all sorts of stringent requirements you’ll need to…

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What is a buy-to-let mortgage?

A buy-to-let mortgage is a specialised type of mortgage agreement designed for prospective landlords who want to buy a property and rent it out to tenants, but can’t afford to buy it outright using their own capital or savings. As with a traditional mortgage, a…

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What is Stamp Duty and how much do I need to pay?

If you’re buying a property in the UK, there’s a good chance that you will need to pay Stamp Duty Land Tax to the Government. Whether you need to pay the Tax and how much you will owe all depends on the price of the…

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Mortgage fees & charges explained

There are a variety of mortgage fees and charges you may have to pay at different stages in the process, both before and after completion. These can range from small admin fees to larger costs covering essential services, but it’s important that you’re aware of…

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What are mortgage interest rates?

Almost all loans have an interest rate: the percentage charged on top of the amount you owe, which acts as a payment for using the lender’s service. Mortgages are no different: interest is charged as a percentage of the loan amount (known as the ‘capital’…

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Mortgage types explained: What different types of mortgages are available in the UK?

There are many types of mortgage available in today’s market and knowing which one you need to apply for is essential if you want to get the right deal for you. Though all types of mortgage function in a similar way, factors like interest rates,…

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piggy bank

House deposits: How much do I need for a mortgage?

Before you’re able to get a mortgage on your first home, you’ll need to save for a house deposit. The amount of money you’re able to put down upfront will have a direct effect on how much a lender will allow you to borrow, and…

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mortgage broker advice

What is a mortgage broker? How to get the best advice

For many people, buying or selling a house can prove to be a difficult process. In fact, 24% of people think that buying a home is the most stressful life event, while an even higher 26% find selling a house most challenging, according to a…

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Remortgaging: What is a Remortgage & How Does it Work?

When you take out a mortgage on a home, you’re making a financial commitment that can last for a long time. However, even if you put a lot of work into finding a great mortgage deal, it might not always be the best one for…

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Can I get a mortgage

Can I get a mortgage? A mortgage eligibility FAQ

In recent years, securing a mortgage and getting a foot onto the property ladder has become much more of a challenge. There are a few factors that are now affecting our ability to save for a home deposit and afford mortgage repayments. Not only are…

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