Mortgage on UK Money Explained

Debt-to-Income Ratio UK: What It Is and How to Improve It

Sun, 09 Aug 2026 00:00:00 +0000

Quick answer: Your debt-to-income (DTI) ratio is your total monthly debt payments divided by your gross monthly income, expressed as a percentage. UK mortgage lenders typically want your DTI below 40-45%. A DTI below 36% is considered healthy. Lower is always better for mortgage approval and interest rates.

Debt-to-Income Ratio UK: What It Is and How to Improve It

Your debt-to-income (DTI) ratio is one of the most important numbers a lender checks when you apply for a mortgage. This guide explains what it is, how to calculate it yourself, and how to improve it before applying.

First-Time Buyer Guide UK 2026: Everything You Need to Know

Sun, 09 Aug 2026 00:00:00 +0000

First-Time Buyer Guide UK 2026

Buying your first home is one of the biggest financial decisions you’ll ever make. This guide walks you through every step — from saving a deposit to getting the keys — with links to detailed guides on each topic.

Step 1: Check If You Qualify as a First-Time Buyer

You count as a first-time buyer if you (and anyone you’re buying with) have never owned a property before, whether in the UK or abroad. This qualification unlocks several benefits:

Mortgage Affordability Calculator UK 2026

Fri, 17 Apr 2026 00:00:00 +0000

Find out how much you could borrow for a mortgage. Enter your details below for an instant estimate of your maximum loan, monthly payments, and deposit requirements.

Your annual income (before tax) (£)

Partner's income (optional) (£)

Deposit (£)

Monthly debt payments (£)

How this is calculated

Remortgaging Guide UK 2026: When to Remortgage and How to Get the Best Deal

Fri, 17 Apr 2026 00:00:00 +0000

Remortgaging Guide UK 2026: When to Remortgage and How to Get the Best Deal

Navigating the UK housing market in 2026 requires a strategic approach, especially when it comes to your mortgage. After a few years of volatility following the interest rate hikes of the early 2020s, the market has begun to stabilise. However, for millions of UK homeowners, the cost of borrowing remains a significant portion of household expenditure.