Published 18th February 2026
Got spare cash each month? The big dilemma: chuck it at the mortgage or invest it? The comparison in full: why a 4.5% tax-free saving needs 7.5% gross to beat it at the higher rate and 5.63% at the basic rate, what ISA and pension wrappers change, and where the certainty is worth paying for.
Read morePublished 1st February 2026
ERCs can turn an exciting remortgage into a costly mistake. Here's what they actually are, how much they typically cost on different mortgage types, and six ways to avoid or minimise them.
Read morePublished 15th January 2026
Three illustrative calculations with the arithmetic shown. £100 a month on a £180,000 mortgage at 4.5% saves £31,038; combining a monthly overpayment with an annual bonus lump sum can knock six-plus years off your term.
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