Tech Fixx · Video
Mortgages Explained for Beginners: How Buying a Home Works (UK 2026)
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A mortgage is a long-term loan used to buy a home or land. This UK beginner guide explains deposits, loan-to-value, capital, interest, monthly repayments, mortgage terms and the main steps from affordability checks to completion.
You’ll learn: • How a deposit and mortgage combine to fund a purchase • Repayment versus interest-only mortgages • Fixed, variable and tracker rates • Loan-to-value (LTV) and affordability • Other buying costs such as surveys, legal fees, insurance and tax
Official UK guidance: MoneyHelper first-time buyer guide: https://www.moneyhelper.org.uk/en/homes/buying-a-home/first-time-buyer-money-tips Mortgage repayment options: https://www.moneyhelper.org.uk/en/homes/buying-a-home/mortgage-repayment-options Mortgage calculator: https://www.moneyhelper.org.uk/en/homes/buying-a-home/mortgage-calculator
Rates and eligibility vary. This is general education, not personalised mortgage or financial advice.
#MortgageUK #FirstTimeBuyer #HomeBuying