Mortgage & Protection Guides

Most people who come to us about let to buy start from the same place. They have found somewhere they want to move to, they have equity in their current home, and something makes them reluctant to sell it. Sometimes that is the interest rate they are sitting on. Sometimes the chain has collapsed. Quite often it is simply that the house has been a good investment and letting it out feels smarter than cashing it in. At Drummonds Finance Group we arrange let to buy cases regular

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

The Bank of England held the Bank Rate at 3.75% on Thursday 17 September. That is the sixth hold of 2026, and the rate has now sat at 3.75% since December last year. At Drummonds Finance Group, we have spent this week fielding calls from clients whose fixed rates end over the winter, and the question is always the same one: do I move now or wait and see? This is what the decision actually changes, and what it does not. The headline is dull. What sits underneath it is not. The

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

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

Many people assume that once you hit your 60s, your chances of getting a mortgage drop dramatically. In reality, age isn’t the barrier...

Helping NHS Workers Secure the Right Mortgage Nationwide Are you an NHS professional looking to buy your first home, move house, or remortgage? At Drummonds Finance Group, we specialise in NHS mortgages and understand how to make your unique income structure work in your favour. Whether you’re a nurse, doctor, paramedic, healthcare assistant, midwife or support staff—we’re here to help you secure the mortgage you deserve. With access to over 100 UK lenders, including many who