Knowledge Centre

Guides, insights, and market updates from the HLC team — everything you need to make confident financial decisions.

Showing 1–9 of 90 articles

Page 1 of 10

Showing 1–9 of 90 articles

General Advice5 min read

Which Mortgage is Right for You? UK Interest Rates Explained

Compare two-year and five-year fixed-rate mortgages, trackers and standard variable rates to understand which mortgage could suit your circumstances.

General Advice7 min read

10 Reasons Why Mortgage Applications May Be Declined

A declined mortgage application doesn't necessarily mean you can't get a mortgage. Here are ten common reasons it happens and what you can do about them.

General Advice6 min read

Do Mortgage Brokers Get Better Rates?

Do mortgage brokers get better rates than going directly to the bank? Sometimes, yes - but the right mortgage is about much more than the headline rate.

First Time Buyers6 min read

5 First-Time Buyer Mistakes to Avoid

From knowing your budget to keeping your finances stable, here are five of the most common first-time buyer mistakes and how to avoid them.

Credit & Bad Credit5 min read

How to Remove a Default from My Credit History

A default doesn't necessarily mean you can't get a mortgage. Here's what a default is, whether it can be removed and how to improve your chances of getting a mortgage.

First Time Buyers6 min read

Getting a Mortgage as a Single Person in the UK

Buying a home on your own is absolutely achievable. Here's how single-income borrowing, deposits and affordability work — and how to boost your chances.

General Advice7 min read

10 Mistakes to Avoid When Buying Property

Buying a home is a huge financial step — and most common buyer mistakes are avoidable. Here are ten pitfalls to sidestep, from budgeting to surveys.

Remortgaging6 min read

Can I Move if I'm Tied Into a Fixed Mortgage?

Think you can't move house until your fixed-rate mortgage ends? You usually can. Here's how porting, Early Repayment Charges and your other options work.

First Time Buyers6 min read

Can My Parents Help Me with a Deposit? (What You Need to Know)

Can your parents help with your deposit? Yes - but whether it's gifted or lent makes a big difference to your mortgage. Here's what you need to know.

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