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Buying in the UK? Start Here.

Expert articles, simple advice, and step-by-step guides for buying property in the UK.

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01.04.2026

Mortgage Finder

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05.03.2026

Mortgage affordability calculator test

26.02.2026

Can you get a mortgage with a CCJ? Eligibility, deposits & options

Can you get a mortgage with a CCJ? Eligibility, deposits & options

You can get a mortgage with a CCJ, but it usually depends on the level of risk.
 A CCJ (County Court Judgment) indicates to lenders that you have previously defaulted on a debt and the matter was taken to court. Consequently, the lender may request a larger deposit, offer products at a higher interest rate […]

26.01.2026

Let to Buy mortgages: how they work, pros, cons & eligibility

Let to Buy mortgages: how they work, pros, cons & eligibility

A let-to-buy mortgage allows you to move homes without selling your current property. You refinance your current home as a rental property, then take out a new residential mortgage on the home you plan moving to. Below is a practical, jargon-free breakdown of how let-to-buy mortgages work, who they suit, and what lenders look for. […]

22.01.2026

What to do when your fixed rate is ending

What to do when your fixed rate is ending

When you took out your mortgage, you probably locked into a fixed rate, typically for two, five, or even ten years. At the time of the fixed rate ending, if you did nothing, your lender will usually move your mortgage onto a standard variable rate (SVR). This is often at a much higher rate than […]

13.11.2025

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Smart City Mortgages is a trading name of Smart City Group Ltd, which is authorised and regulated by the Financial Conduct Authority. Our FCA number is 933448. Country of registration: England. Registration number: 10379538. Registered address: 8 Devonshire Square, London, EC2M 4YJ. Calls may be recorded for training and monitoring. 

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request, and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.

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