A running record of rate updates, calculator improvements, and content changes. Updated whenever anything on the site changes.
Published: Rent vs Buy Calculator
Compares total wealth from renting and buying side by side, year by year, crediting the renter with investing everything the buyer put into a deposit and fees. Covers cautious, central and optimistic house-price growth, and the non-resident stamp duty surcharge.
Published: Rent vs Buy: Is Buying Really Better Than Renting?
The thinking behind the calculator: why buying often wins through leverage, the specific situations where renting genuinely wins instead, and an honest look at what the model does not price, like flexibility and security.
Published: Rent, Buy or Invest guide cluster page, the third and final cluster on the Guides hub.
The Bank of England's Monetary Policy Committee voted 6–3 to hold the base rate at 3.75% at today's meeting, with three members preferring a 0.25-point rise to 4%. No change to mortgage repayment or affordability estimates on this site. The next MPC decision is scheduled for 5 November 2026. Read the full MPC summary on the Bank of England website.
Published: Non-Resident Stamp Duty Calculator
Works out the 2% non-resident SDLT surcharge, whether you can reclaim it, and the exact dates that decide if you get your money back — qualification date, last viable arrival date and claim deadline, not just the tax.
Published: The 2% Non-Resident Stamp Duty Surcharge and How to Reclaim it
The window most competitors miss: it opens 364 days before completion, not just after, so some buyers already qualify on day one. Covers the spouse exemption, the 14-day filing window, and the deadline nobody tells you about.
Published: Mortgage Fees Explained
Every UK mortgage fee explained — arrangement, booking, valuation, legal, broker and exit fees — what each costs in 2026, and how to tell whether paying one is worth it for your loan size. Pairs with the existing Total Cost of Buying Calculator.
Published: Remortgage Savings Calculator
See whether switching mortgage deals actually saves you money: true net position after fees, any early repayment charge and any change to your term, not just a monthly-payment comparison.
Published: Remortgaging Explained: Complete UK Guide
Product transfer vs remortgaging vs a further advance, what a remortgage actually costs once fees are counted properly, and how the July 2025 FCA rule changes affect switching.
The Bank of England's Monetary Policy Committee voted 6–3 to hold the base rate at 3.75% at today's meeting, with three members preferring a 0.25-point rise to 4%. No change to mortgage repayment or affordability estimates on this site. The next MPC decision is scheduled for 17 September 2026. Read the full MPC summary on the Bank of England website.
Published: Home Buying Calculator
A guided, 3-step tool (affordability → stamp duty → full dashboard) that works out what you can afford, your stamp duty, monthly payment, LTV, and the total cash you need to buy: all from one set of inputs, in about 2 minutes. The new "start here" entry point for buyers.
Published: Mortgage Overpayment Calculator
See how much interest you could save and how many years you could cut from your mortgage by overpaying (monthly, as a lump sum, or both) with an overpay-vs-save comparison.
Published: Should You Overpay Your Mortgage?
When overpaying pays off, the 10% early-repayment-charge rule, reducing your term vs your payment, and how overpaying can move you into a better LTV band.
Published: UK Mortgage for Foreign Nationals
Eligibility by immigration status (settled, pre-settled, visa, ILR), UK credit history for new arrivals, and how it links to stamp duty and first-time-buyer rules.
Published: Loan-to-Value (LTV) Calculator
Work out your LTV for a purchase or remortgage, see which band you fall into, and how much more deposit or repayment would move you to a better rate.
Published: What is LTV on a Mortgage?
Loan-to-value explained, bands, down valuations, and how to improve your LTV.
Published: Fixed vs Tracker Mortgage UK: How to Choose in 2026
How each product works, four questions to weigh your own situation, common pitfalls, and a market context snapshot covering the latest Bank of England decision.
Published: Calculators Hub
A new landing page grouping every tool into three clusters: Buying a Home, Managing Your Mortgage, and Rent, Buy or Invest.
Published: Guides Hub
A new landing page grouping all guides into three clusters: Buying a Home, Managing Your Mortgage, and Rent, Buy or Invest.
The Bank of England's Monetary Policy Committee voted to hold the base rate at 3.75% at today's meeting. No change to mortgage repayment or affordability estimates on this site. The next MPC decision is scheduled for 30 July 2026. Read the full MPC summary on the Bank of England website.
Published: Total Cost of Buying a House in the UK
Every upfront cost explained, required vs optional breakdown, worked examples for England, Scotland and Wales.
Published: Total Cost of Buying Calculator
Full upfront cost estimator covering stamp duty, conveyancing, survey, removals and mortgage fees for England, Scotland and Wales.
Published: What Is a Mortgage in Principle (MIP/AIP/DIP)?
What an MIP is, how it affects your credit score, and how to get one safely.
Published: First-Time Buyer's Complete Guide
The step-by-step journey from saving a deposit to getting the keys.
Bricks & Calcs is live. Published at launch:
Stamp Duty Calculator — Calculate stamp duty across England, Scotland, and Wales.
Mortgage Repayment Calculator — See monthly repayments at any loan size, rate, term.
Mortgage Affordability Calculator — Estimate how much you could borrow.
Stamp Duty Explained 2025/26 — Rates, thresholds, and first-time buyer reliefs in the UK.
The Mortgage Repayment Guide — How monthly repayments are calculated.
How Much Can I Borrow? — How lenders work out your maximum borrowing ceiling.