Educational guides
Guides
In-depth explainers to pair with our calculators. Everything here is for learning only — not financial, legal, or tax advice.
Is overpaying your mortgage worth it?
How overpayments hit principal and interest, when clearing the mortgage beats investing, and practical UK considerations.
Read guideHow to read a mortgage amortization schedule
What each column means, why the interest-to-principal split shifts over time, and how to use a schedule to plan overpayments and equity.
Read guideRenting vs buying: how to actually think about it
True costs on both sides, what ownership really buys you, the variables that matter — and why simple rent vs mortgage comparisons mislead.
Read guideHow to compare two mortgage deals
Why headline rates mislead, total cost over the fix, fees and SVRs, ERCs and trackers — plus the breakeven idea.
Read guideMortgage overpayment rules UK 2026
10% allowances, ERCs, fixed vs tracker vs SVR — and how to check your limit before you pay.
Read guide