Rachel Summers

A clear, jargon-free step-by-step guide to getting a mortgage as a first time buyer in the UK, from saving your deposit to collecting the keys.

What is a tracker mortgage UK and when is it better? We break down the pros, cons and real-world costs to help you choose the right deal.

A practical guide to how to budget for a wedding without going into debt — real UK costs, cutting options, and avoiding the credit trap.

Overpaying your mortgage reduces your debt faster and can save thousands in interest. But it’s not always the best use of spare cash. Here’s how to decide.

A fixed rate mortgage locks your interest rate for a set period. Here’s how they work, the pros and cons, and how to choose the right term.

Negotiating a pay rise is one of the highest-impact financial moves you can make. Here’s how to prepare, what to say, and how to handle the conversation with confidence.

A buy-to-let mortgage lets you borrow to purchase a property you’ll rent out. Here’s how they work, what they cost, and whether they make sense.