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6 articles
Separation raises a simple but pressing question: who pays the mortgage now? This guide explains transfer of equity, sole-name remortgaging and why a lender’s affordability check matters as much as any family court order in 2026.
Overpaying a mortgage is usually presented as an unqualified good. In practice, lenders set annual allowances and enforce them with early repayment charges — and a well-intentioned lump sum can cross the line. Here is how to read the rules, run the numbers, and time larger payments sensibly.
A mortgage payment holiday can provide valuable breathing space during a temporary income shock, but it is not a free pause. Interest continues to build, credit files may record the arrangement, and lenders can take a careful view when a borrower next applies to remortgage.
Offset mortgages can be a useful middle path for homeowners who want to reduce mortgage interest but retain access to savings. This guide explains how they work, how they compare with overpayments and savings accounts, and where the variable-rate risk needs careful thought.
Porting lets some homeowners carry an existing fixed-rate mortgage to a new property, but it is not automatic. This guide explains eligibility, timing, fees and the mistakes that can erode the benefit.
The final six months of a fixed rate are not a waiting period; they are a planning window. This month-by-month roadmap explains what to check, compare and prepare so that a homeowner can move from one deal to the next without unnecessary cost or last-minute pressure.