Mortgage & Protection Guides

You want to borrow against your home for an extension, a loft conversion, a tax bill, or to buy someone out. Five years ago the answer was simple: remortgage the lot. Now it often is not, because remortgaging means giving up a rate you will never see again. At Drummonds Finance Group, this has become one of the most common conversations we have. If you are sitting on a fix at 2.4% and you need £40,000, moving your whole balance onto today's pricing to get it is an expensive w

When a relationship ends and there is a joint mortgage, one question comes up before almost anything else: can I take your name off it and keep the house? At Drummonds Finance Group we handle this regularly, and the honest answer is that it is usually possible but rarely as simple as it sounds. A mortgage is a contract with a lender, and the lender gets a say. This explains how it actually works, what lenders look at, and what your options are if the numbers do not stack up f

If you bought a new build with a Help to Buy equity loan, there is a date in your paperwork that matters more than you might think. Five years after completion, the interest-free period ends and the government's loan starts costing you money every month. At Drummonds Finance Group we deal with this constantly, because the scheme ran from 2013 until it closed to new applications in March 2023, which means most people still holding an equity loan are now past that five-year mar

Found a property that needs so much work a normal lender will not mortgage it? Here are the main UK mortgage, bridging and refurbishment finance options to consider.

How does shared ownership staircasing work? See 1%, 5% and 10% rules, example costs, rent savings, valuations, mortgages and Stamp Duty.

Hundreds of thousands of interest-only mortgages taken out in the late 1990s and 2000s are now reaching the end of their terms, and a lot of the people holding them are discovering that the repayment plan they had in mind, an endowment, an investment, a future property sale, has not quite delivered what was expected. If you have had a letter from your lender reminding you that your term is ending and the balance is due, this guide explains what actually happens next and what

Getting onto the property ladder has never been easy, and for a lot of young buyers right now, it is genuinely hard. Mortgage affordability is tight, property prices in areas like Oxford and Bicester are well above the national average, and saving a deposit while paying rent takes years. Many parents want to help, but going on the deeds of their child's property brings its own complications. A joint borrower sole proprietor mortgage, which solves this problem neatly, lets you

Your mortgage deal is ending in 2026. Compare fixed rates, trackers, product transfers and remortgages, including fees, ERCs and when waiting could cost more.

Should you use a mortgage broker or go straight to a bank? Compare lender choice, fees, mortgage rates and when independent advice is worth it.

Whether you're a first-time buyer, moving home, or remortgaging, one of the first questions you're likely to ask is: "How much can I borrow for a mortgage?" In 2026, with interest rates still fluctuating and lenders tightening affordability criteria, understanding how borrowing capacity is calculated is more critical than ever. In this blog, we explain what lenders look for, how much you could borrow, and how to maximise your mortgage options, with expert guidance from Drummo