LTV, APR, DTI... it's enough to make your head spin. Let us break it down for you. Dig into our content to learn more about house hunting, first-time buyer mortgages, interest rates and so much more.
A Fixed Rate ISA is a type of savings account where you lock your money away for a set period of time in return for a fixed interest rate. Your interest rate will stay the same until the end of your fixed period, no matter what happens to the Bank of England’s base rate. And, since it’s an ISA, all your interest will be tax-free, making it easier to grow your savings over time. In this guide, we’ll cover all the Fixed Rate ISAs currently offered by Virgin. If you’re looking for the best Fixed Rate ISA available across providers, keep in mind that high-street banks don’t always offer the most competitive rates.
Read more
A Fixed Rate ISA is a savings account where you lock your money away for a set period and earn a guaranteed interest rate in return. Your interest will be tax-free and protected from fluctuating interest rates, but you won’t be able to withdraw your money until the end of your fixed term (usually between one to five years). In this guide, we’ll cover all the Fixed Rate ISAs currently offered by Skipton Building Society. If you’re looking for the best Fixed Rate ISA available across providers, keep in mind that the familiar high-street banks don’t always offer the most competitive rates.
Read more
A Fixed Rate ISA is a type of savings account where your money is locked away for a set period, and in return, you get a guaranteed interest rate. Your interest will also be tax-free, but you won’t be able to withdraw your money until the end of your fixed term (usually between one to five years). In this guide, we’ll cover all the Fixed Rate ISAs currently offered by Coventry Building Society. If you’re looking for the best Fixed Rate ISA on the market, keep in mind that the familiar high-street banks don’t always offer the most competitive rates.
Read more
Fixed Rate ISAs are a great way to protect your savings from falling interest rates. You’ll get a guaranteed return and tax-free interest for a set period. But what happens if you need access to your money halfway through the term? Can you take money out of a Fixed Rate ISA, or are your savings completely locked away? Here’s what you need to know.
Read more
If you’ve been comparing savings accounts, you’ve probably come across Fixed Rate ISAs. Fixed Rate ISAs are a great way to get a guaranteed interest rate, but are they right for you or are there better ways to grow your savings?
Read more
If you’ve already got a Fixed Rate ISA and you’ve found a better deal elsewhere, you can avoid missing out with the help of an ISA transfer. Before you make the switch, here are a few things to watch out for.
Read more
Fixed Rate ISAs can be a smart way to grow your savings, especially if you’re looking for guaranteed returns and you won’t need access to your money for a while. But what happens if you want to keep adding to your savings pot after you’ve opened the account?
Read more
At noon on the 8th May 2025, the Bank of England’s Monetary Policy Committee (MPC) announced that it’s cutting its base rate of interest to 4.25% — the second cut this year. While this move was widely anticipated, the decision reflects a need to confront growing economic pressures, including inflation and uncertain global trade dynamics caused by Trump’s tariffs. But what does this mean for remortgagers, first-time buyers, and home movers? Let's break it down.
Read more
A Fixed Rate ISA is a type of savings account where you earn a Fixed Rate of interest on your savings for a set period of time. Anyone over the age of 18 can open one and save up to £20,000 a year in it without paying tax on their interest.
Read more
Fixed Rate ISAs are a popular choice for savers who want a guaranteed return and tax-free interest. But how many Fixed Rate ISAs can you have? And what happens if you’re a few months into a fix and you find a better rate elsewhere? Here’s everything you need to know about how many Fixed Rate Cash ISAs you can have, and how to make the most of your annual ISA allowance
Read more
Fixed Rate ISAs are a popular choice for savers who want a guaranteed return and tax-free interest. But how many Fixed Rate ISAs can you have? And what happens if you’re a few months into a fix and you find a better rate elsewhere? Here’s everything you need to know about how many Fixed Rate Cash ISAs you can have, and how to make the most of your annual ISA allowance
Read more
If you’d like to buy a house in 2025, the chances are you’ll need a mortgage to buy the home. So how do you get started and what should you expect? In this guide, we’ll cover off exactly how to get a mortgage, from start to finish.
Read more
Knowing how much equity you have in your home can make it easier to plan for the future. So how do you find out how much equity you have and is it worth taking equity out of your home? Find out in this guide.
Read more
If you’re saving for a house, one of the first decisions you’ll probably make is where you’ll put your money. With the right bank account, you can reach your savings goals faster and even pay less tax. But with so many accounts to choose from, including ISAs, LISAs and easy access accounts, what’s the best option for saving for a house?
Read more
Today, 26th March 2025, Chancellor Rachel Reeves presented her first highly anticipated Spring Statement to parliament. If you're a first-time buyer or saving for big life goals, understanding how these changes might affect you is crucial. Here's a breakdown of the key announcements and what they mean for you.
Read more
Today (20th March 2025), the Bank of England’s Monetary Policy Committee (MPC) voted to hold the base rate at 4.5%. This was widely expected by the market, with the committee voting 8-1 for the rate to stay at its current level. Now, the next base rate cut isn’t expected until May, with inflation expected to increase off the back of uncertainty in the global markets, the upcoming Spring Statement, supply chain disruptions and other economic factors.
Read more
As of 4th March 2025, we’ve increased the interest rate on our Cash Lifetime ISA and Cash ISA from 4.55% to 4.6% AER (variable). This means not only are our ISA rates above the Bank of England’s base rate, but over 5 years our savers will earn hundreds more in interest vs saving with competitors. If you’ve got a Cash ISA or Lifetime ISA with another provider, this increase could be a welcome change if you’ve seen your current rate drop and are considering switching.
Read more
If you’d like to buy a home and you can’t afford to pay for it in cash, you may need a mortgage. But how do mortgages work? And are mortgages good or bad and what can stop you from getting one? Find out in this guide.
Read more
An Individual Savings Account (ISA) is a type of savings account that lets you save or invest for the future without paying tax on your interest or profits. But how do they actually work and how much can you save in one?
Read more
The age we achieve life’s biggest milestones is changing, with the millennials getting married, having children and buying their first home much later than previous generations. So what age are most first-time buyers and how can you get on the ladder sooner?
Read more
A Fixed Rate ISA is a savings account where you put away money for a set period of time, usually 1-3 years. In return for locking away your money, you’ll receive a guaranteed interest rate for a fixed time period. Because it’s an ISA, your interest will also be tax-free, unlike funds saved in a normal savings account.
Read more
A Fixed Rate ISA is a savings account where you put away a set amount of money for a fixed period of time, usually 1-3 years. In return for locking away your money, you’ll receive a guaranteed interest rate for the set time period. Because it’s an ISA, your interest will also be tax-free, unlike if you saved into a normal savings account.
Read more
A Fixed Rate ISA is a savings account where you put away a set amount of money for a fixed period of time, usually 1-3 years. In return for locking away your money, you’ll receive a guaranteed interest rate for the set time period. Because it’s an ISA, your interest will also be tax-free, unlike if you saved into a normal savings account.
Read more
A Fixed Rate ISA is a type of savings account where you put away money for a set period of time, usually 1-3 years. In return for locking away your money, you’ll receive a guaranteed interest rate for a fixed time period. Because it’s an ISA, your interest will also be tax-free, unlike funds saved in a normal savings account.
Read more
If you need a remortgage, it can be tempting to stay with whichever lender you are currently with — especially if you’ve had a mortgage with them for many years. Or if you’re a first-time buyer and you have a savings or current account with your local bank, you might be tempted to go to them when you need a mortgage. But what are the advantages of sticking with the same provider? And does loyalty pay when it comes to mortgage rates?
Read more
Almost 800,000 first-time buyers have used a Help to Buy ISA to buy a home, but over the last few years, many savers have decided to switch these accounts over to newer alternatives, like a Lifetime ISA. If you’re wondering if you should close your Help to Buy ISA or keep paying into it, here’s what you need to know.
Read more
Free-lancing or owning your own business can be an amazing way of earning an income (who doesn't want to be their own boss!?) it can sometimes also introduce some unique challenges when it comes to taking out a mortgage. This guide breaks down everything self-employed buyers need to know—from the best self-employed mortgage options to the step-by-step process of securing one.
Read more
When it comes to saving for your future —whether it’s a first home, a holiday, a wedding or simply some financial protection for a rainy day — finding the right savings account can make all the difference. As 2025, we're thrilled to introduce the new Tembo Cash ISA, offering a competitive 4.55% AER (variable) interest rate. This is the latest addition to our growing range of savings products, following the successful launch of our market-leading Lifetime ISA (LISA). With this new Cash ISA, your money isn’t just sitting in savings collecting dust - it’s actively working harder for you.
Read more
One of the most stressful things to happen when you’re buying a home or selling one is for the home purchase to fall through. Not only can it be disappointing, it can be expensive too. It’s also extremely common, with 35% of house sales falling through. If you’re going through this experience yourself, this guide is for you.
Read more
If you want to buy your first home, saving a deposit is only half the battle. You could spend years scrimping and saving your way to a 10% or even 20% deposit, only for your salary to get between you and your dreams of homeownership. So what salary do you need to buy a house in the UK? And what can you do to increase your chances of getting a mortgage? Find out in this guide.
Read more