0345 512 0077 Get advice

Guides & advice

Mortgage guides, in plain English

Researched, practical guides written and reviewed by the Highhouse Money mortgage team. General information only — not personalised advice.

First-Time Buyers

First-Time Buyer Mortgage Checklist: Documents, Deposit and What Happens Next

From checking your credit file to collecting the keys — the documents, deposit evidence and steps in between, explained in plain English.

Complex Income & Credit

Getting a Mortgage When You Are Self-Employed or a Limited Company Director

How lenders typically look at sole traders, partnerships and company directors — accounts, SA302s, salary, dividends and variable income.

Can You Get a Mortgage After a Default, CCJ or Missed Payment?

What credit events mean, why recency and context matter, and how a specialist approach may help — without any guaranteed outcomes.

Remortgaging

When Should You Start Remortgaging? A Step-by-Step Guide

Early repayment charges, standard variable rates, product transfers versus remortgaging, and a practical decision checklist.

Later Life

Later-Life Mortgages, RIO and Equity Release: What Is the Difference?

Standard borrowing, retirement interest-only mortgages and lifetime mortgages compared — including estate and benefit implications.

Specialist Property Finance

How Do Self-Build Mortgages Work? Stages, Deposits and Common Pitfalls

Staged funding, valuations, cash-flow gaps, warranties and the documentation a self-build project usually needs.

Can't find what you need?

If your situation doesn't fit neatly into a guide, a short conversation usually helps. Call 0345 512 0077 or get in touch online.

Contact an advisor

Your home may be repossessed if you do not keep up repayments on your mortgage.

Company address: High House, 67 West Street, Selsey, West Sussex, PO20 9AG.

If a fee is charged, this will only be payable on completion.

Highhouse Money Ltd is registered in England & Wales under Company No: 12477891.

Highhouse Money Ltd (FCA No: 991342) is an appointed representative of Julian Harris Adviser Network Ltd (FCA No: 304155) which is authorised and regulated by the Financial Conduct Authority.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at: www.financial-ombudsman.org.uk.

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

Please see our Privacy Policy here.

Call us Get advice