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Navigate the world of home ownership with the Mortgages section of Finance Monthly. This segment offers expert advice and the latest information on mortgage options, rates, and trends. Whether you're a first-time buyer, looking to refinance, or exploring investment properties, our resources provide valuable insights to help you make informed decisions.

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From understanding mortgage terms to tips on securing the best rates, we're here to guide you through the process of financing your home, simplifying complex concepts and helping you achieve your property dreams.
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What if I can’t pay back my mortgage?

22nd April 2024
Your mortgage should be your top priority debt over any other forms as missing or falling behind on payments could result in serious consequences.   What will happen If I can’t pay it back in full? Most lenders will allow for 3 missed payments before they start taking action. If you have taken out a […]
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The most expensive places to buy a home in the UK

22nd April 2024
The UK property market has seen sky rocketing prices including rising mortgage rates making it more difficult for people to get on the property ladder. House prices have been falling slowly even in places like Manchester. Where has seen the biggest price falls? East of England, South East and South West have seen the largest […]
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Key Indicators Suggest UK Housing Market Trending in the Right Direction

16th April 2024
The UK housing market has been particularly volatile over the last few years. In 2022, house prices soared into the stratosphere. The rush of people willing to buy and sell caused quite a stir. Then, inevitably, everything cooled off. House prices dipped and people stopped submitting for mortgages in such high volumes. There was also […]
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Property Development Finance in Scotland: A Comprehensive Guide

11th April 2024
Introduction Property development finance plays a pivotal role in the Scottish real estate landscape, enabling developers to transform concepts into tangible assets. Whether you’re a seasoned developer or a newcomer, understanding the intricacies of financing is essential. In this guide, we delve into the specifics of property development finance in Scotland. 1. Mechanics of Property […]
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Understanding Property Development Exit Finance

11th April 2024
What is Development Exit Finance? Property development exit finance is a specialised form of short-term lending designed to assist property developers and comes into play when the development project is nearing completion or is complete, but you’re waiting for sales to finalise. This type of finance is used to repay any outstanding property development finance or […]
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Navigating the Landscape of Build to Rent Development Finance

11th April 2024
In the dynamic world of property development, the concept of Build to Rent (BTR) has emerged as a transformative force, reshaping the approach to residential projects. At its core, BTR is a strategy that caters exclusively to the rental market, diverging from the traditional focus on sales. This innovative financing model is not just about […]
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How is Council tax calculated?

10th April 2024
The government has announced that they will be increasing the cost of council tax due to the rate of inflation in the UK. How they calculate your council tax The cost of Council tax is determined from the valuation of the property from 1991 in England and Scotland and 2003 in Wales. If your property […]
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How mortgages lenders have reacted to interest rate and inflation news and why it effects you

4th April 2024
As the news filtered through that the Bank of England had decided to keep interest rates stable at 5.25% for the fifth consecutive time on the 21st of March 2024, mortgage lenders have reacted to what it means for their clients. It was a decision that came only a day after the Office of National […]
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How much of my salary should be spent on the mortgage?

4th April 2024
Your mortgage is going to be a huge financial investment and something new to factor in to your budget and financial abilities. When deciding what mortgage to borrow both yourself and the lender will have to evaluate your current financial situation including any existing debt to decide what repayments you can comfortably make. Before you […]
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The Mortgage application process

19th March 2024
So you have found your dream property and have had your offer accepted, now you are ready to handle the nitty gritty mortgage details. You will have to find the best mortgage deal that works for you and then you can apply online or over the phone. You may choose to go with a broker […]
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Best fixed rate mortgages

13th March 2024
As of March 2024 below are the best 2 year and 5 year fixed term mortgage rates. With a fixed term mortgage you will not be affected by changing interest rates and you will often pay lower rates than if you were on a variable rate mortgage. If your fixed term is coming to an […]
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House Prices are Falling

6th March 2024
House prices are falling and many believe they will continue on this path through 2024. This sounds like good news, however for those selling their properties, this means they are having to reduce their asking price. Also, with high and rising mortgage rates, many people still can’t afford to buy. Predictions for the Property market […]
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Finance Monthly is a comprehensive website tailored for individuals seeking insights into the world of consumer finance and money management. It offers news, commentary, and in-depth analysis on topics crucial to personal financial management and decision-making. Whether you're interested in budgeting, investing, or understanding market trends, Finance Monthly provides valuable information to help you navigate the financial aspects of everyday life.
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