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Mortgages and deposits: the basics

4 articles

Understand how mortgages work and get advice on how to save up a big enough deposit to buy your first home.

What is a mortgage?

Last updated: Jul 2022

Find out what mortgages are and the basics of how they work in our easy-to-understand guide.

Mortgage interest rates explained

Last updated: Aug 2022

Mortgage interest rates determine how much you'll be charged to borrow and buy a property, and what your monthly repayments will be. Find out how they work and how to get the best mortgage interest rate.

How much deposit do you need for a mortgage?

Last updated: Jul 2022

Find out how much deposit you need for a mortgage, use our mortgage deposit calculator, and learn about the process of paying your deposit.

How to save for a mortgage deposit

Last updated: Jul 2022

Learn about saving for a property deposit plus expert tips on budgeting and schemes to help you buy your first home sooner.
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Use these calculators to see if you're financially ready to buy.
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