Generated by Rank Math SEO, this is an llms.txt file designed to help LLMs better understand and index this website.

# Online Mortgage Advisor: We are an FCA-authorised and award-winning mortgage broker, serving customers nationwide since 2013. At Online Mortgage Advisor (OMA®), we connect you with specialist advisors from our team who focus on your exact type of mortgage situation, ensuring you get the best possible advice. We are on a mission to be the most-loved for mortgages, and our passion is understanding our customers and exceeding their expectations. Our website provides helpful tools, insightful guides, and informative content to empower borrowers to make the best possible decisions. We've proudly helped over 600,000 customers secure the right mortgage, often stepping in when other lenders or brokers have been unable to assist.

## Sitemaps
[XML Sitemap](https://www.onlinemortgageadvisor.co.uk/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Do You Need Life Insurance For a Mortgage?](https://www.onlinemortgageadvisor.co.uk/blog/do-you-need-life-insurance-for-a-mortgage/)
- [What is the Support for Mortgage Interest (SMI) Scheme?](https://www.onlinemortgageadvisor.co.uk/blog/what-is-the-support-for-mortgage-interest-smi-scheme/)
- [Is Now a Good Time to Take Out a Tracker Mortgage?](https://www.onlinemortgageadvisor.co.uk/blog/is-now-a-good-time-to-take-out-a-tracker-mortgage/)
- [The Help to Buy: Equity Loan Deadline is Fast Approaching](https://www.onlinemortgageadvisor.co.uk/blog/the-help-to-buy-equity-loan-deadline-is-fast-approaching/)
- [Advantages and Disadvantages of Paying Off Your Mortgage Early](https://www.onlinemortgageadvisor.co.uk/blog/advantages-and-disadvantages-of-paying-off-your-mortgage-early/)
- [What Happens When You Pay Off Your Mortgage?](https://www.onlinemortgageadvisor.co.uk/blog/what-happens-when-you-pay-off-your-mortgage/)
- [Is It Better To Buy a House With Cash?](https://www.onlinemortgageadvisor.co.uk/blog/is-it-better-to-buy-a-house-with-cash/)
- [Will My Mortgage Go Up Following the Latest Interest Rate Change?](https://www.onlinemortgageadvisor.co.uk/blog/how-much-will-my-mortgage-go-up-following-the-latest-interest-rate-change/)
- [I’m a Mortgage Prisoner – What Can I Do?](https://www.onlinemortgageadvisor.co.uk/blog/im-a-mortgage-prisoner-what-can-i-do/)
- [Buying a Second Property With Consent To Let On The First](https://www.onlinemortgageadvisor.co.uk/blog/buying-a-2nd-property-with-consent-to-let-on-the-1st-property/)
- [Can You Buy Your House Through Your Business?](https://www.onlinemortgageadvisor.co.uk/blog/can-you-buy-your-house-through-your-business/)
- [Can a Guarantor Increase The Amount You Can Borrow On a Mortgage?](https://www.onlinemortgageadvisor.co.uk/blog/can-a-guarantor-increase-the-amount-you-can-borrow-on-a-mortgage/)
- [How Can Landlords Save Money?](https://www.onlinemortgageadvisor.co.uk/blog/how-can-landlords-save-money/)
- [What Happens If You Lose Your House Deeds?](https://www.onlinemortgageadvisor.co.uk/blog/what-happens-if-you-lose-your-house-deeds/)
- [Can You Sell Your House If You Have Equity Release?](https://www.onlinemortgageadvisor.co.uk/blog/can-you-sell-your-house-if-you-have-equity-release/)
- [What Would a Labour Government Mean For Housing and Mortgages?](https://www.onlinemortgageadvisor.co.uk/blog/what-would-a-starmer-labour-government-mean-for-housing-and-mortgages/)
- [What Happens If You Pay Off Someone Else’s Mortgage?](https://www.onlinemortgageadvisor.co.uk/blog/what-happens-if-you-pay-off-someone-elses-mortgage/)
- [What Is a Mortgage Exit Fee?](https://www.onlinemortgageadvisor.co.uk/blog/what-is-a-mortgage-exit-fee/)
- [Mortgage Underwriter Keeps Asking For More Documents](https://www.onlinemortgageadvisor.co.uk/blog/mortgage-underwriter-keeps-asking-for-more-documents-what-should-i-do/)
- [Mortgage In Principle: What Can Go Wrong?](https://www.onlinemortgageadvisor.co.uk/blog/mortgage-in-principle-what-can-go-wrong/)
- [Do You Have To Pay Stamp Duty When Buying Out Your Partner?](https://www.onlinemortgageadvisor.co.uk/blog/do-you-have-to-pay-stamp-duty-when-buying-out-your-partner/)
- [What is Stamp Duty and How Much Does it Cost?](https://www.onlinemortgageadvisor.co.uk/blog/what-is-stamp-duty-and-how-much-does-it-cost/)
- [Can You Buy Shared Ownership Outright?](https://www.onlinemortgageadvisor.co.uk/blog/can-you-buy-shared-ownership-outright/)
- [Can My Parents Take Out a Loan For My House Deposit?](https://www.onlinemortgageadvisor.co.uk/blog/can-my-parents-take-out-a-loan-for-my-house-deposit/)
- [What Are Chancel Repair Searches?](https://www.onlinemortgageadvisor.co.uk/blog/what-are-chancel-repair-searches/)
- [Can I Rent Out My House Without Telling My Mortgage Lender?](https://www.onlinemortgageadvisor.co.uk/blog/can-i-rent-out-my-house-without-telling-my-mortgage-lender/)
- [What Is a Loan-to-Value (LTV) Ratio?](https://www.onlinemortgageadvisor.co.uk/blog/what-is-a-loan-to-value-ltv-ratio/)
- [Do You Pay Solicitors Fees When Remortgaging?](https://www.onlinemortgageadvisor.co.uk/blog/do-you-pay-solicitors-fees-when-remortgaging/)
- [Lost Job After Exchange of Contracts. What Can I Do?](https://www.onlinemortgageadvisor.co.uk/blog/lost-job-after-exchange-of-contracts-what-can-i-do/)
- [Can You Pay Off a Lump Sum When Remortgaging?](https://www.onlinemortgageadvisor.co.uk/blog/can-you-pay-off-a-lump-sum-when-remortgaging/)
- [Mortgage Borrowers Urged to Act Fast to Avoid Rates Hike](https://www.onlinemortgageadvisor.co.uk/blog/mortgage-borrowers-urged-to-act-fast-to-avoid-impending-rates-hike/): Interest rates tumbled to an historic low during the coronavirus pandemic, but they were unlikely to stay that way forever. And with the Bank of England hinting that a rates rise is likely in the "coming months", mortgage borrowers are being urged to act fast to avoid getting stung by an interest hike.
- [Where Are The Happiest New Homeowners In The UK?](https://www.onlinemortgageadvisor.co.uk/blog/where-are-the-happiest-new-homeowners-in-the-uk/): Buying a new home is an amazing feeling, but choosing the location is a big decision. Whether it’s your first step on the property ladder, a holiday bolthole by the seaside, or time to upsize, one factor most of us will consider is ‘where will purchasing a home bring me the most happiness?’
- [Top 10 Autumn Interior Design Trends for 2021](https://www.onlinemortgageadvisor.co.uk/blog/top-10-autumn-interior-design-trends-for-2021/): The sun disappearing earlier, the leaves changing colour, and the air turning cooler can only mean one thing: autumn is here. And with each new season comes new interior trends.
- [The Areas Issuing The Most Fly-Tipping Fines in England](https://www.onlinemortgageadvisor.co.uk/blog/the-areas-issuing-the-most-fly-tipping-fines-in-england/): Despite being illegal, England’s local authorities recorded a whopping 975,631 fly-tipping incidents in 2019/20. With the environmental implications of dumping waste well-known, local authorities up and down the country are trying to tackle the troublesome offence, some with greater success than others.
- [Could YOU Be Living Near A Serial Killer?](https://www.onlinemortgageadvisor.co.uk/blog/could-you-be-living-near-a-serial-killer/): It’s official… the UK has become obsessed with serial killers thanks to the multitude of Netflix documentaries and TV shows giving the public an insight into their lives and gruesome crimes. People have taken this obsession and put it to the test, researching everything they possibly can to find out more on these notorious killers.
- [Homeworker Wars: Have Neighbour Complaints Risen During COVID-19?](https://www.onlinemortgageadvisor.co.uk/blog/homeworker-wars-have-neighbour-complaints-risen-during-covid-19/): With homeworking having become the norm for many since the beginning of the coronavirus pandemic, we began to wonder what kind of effect this is having on our relationships with our neighbours. Have noise and other council complaints risen or fallen since COVID-19 forced many of us to swap the office for a makeshift home desk?
- [A Complete Guide to UK Mortgages for BNO Visa Holders](https://www.onlinemortgageadvisor.co.uk/a-complete-guide-to-uk-mortgages-for-bno-visa-holders/): In January 2021, the UK Government introduced new imigration measures for British National Overseas (BNO) visa holders in Hong Kong, offering a new path to UK citizenship for many people in the Asian country. Those with BNO status can now apply for a 30-month or five-year visa that gives them the opportunity to live, work and study in the UK.
- [Can A Romantic Street Name Increase Property Value?](https://www.onlinemortgageadvisor.co.uk/blog/can-a-romantic-street-name-increase-property-value/): With thousands of loved up couples looking to fly the nest and purchase their first home every week, romance is certainly a big factor when it comes to property. Intrigued to discover just how important the role romance plays in the property market, we sought to find out whether having a romantic street name could increase the value of a property in the UK.
- [The Areas Experiencing The Most Burglaries in 2020](https://www.onlinemortgageadvisor.co.uk/blog/the-areas-experiencing-the-most-burglaries-in-2020/): Despite many of us staying at home in 2020 thanks to the coronavirus pandemic, official data shows that 252,828 domestic burglaries occurred between January and November last year – equivalent to around 754 per day, or 31 per hour.
- [Top Ten Interior Design Trends for 2021](https://www.onlinemortgageadvisor.co.uk/blog/top-ten-interior-design-trends-for-2021/): Whether you have just bought a new home and want to put your stamp on it, or you are in the process of renovating your property, or maybe you simply fancy a change, many of us turn to Instagram for inspiration. But which interior design style is most popular? Bold accents or muted tones? Rustic charm or modern minimalism?
- [New ESW1 Agreement Gives Cladding Mortgage Prisoners Hope](https://www.onlinemortgageadvisor.co.uk/how-the-new-ews1-agreement-offers-a-lifeline-to-cladding-mortgage-prisoners/): After the Grenfell fire tragedy in June 2017, measures to improve fire safety in high-rise buildings were introduced by the government. Although necessary, the crackdown on potentially dangerous cladding has left thousands of flat owners in near-unsellable homes.
- [Mortgage Affordability of Public Sector Jobs in the UK](https://www.onlinemortgageadvisor.co.uk/blog/mortgage-affordability-of-public-sector-jobs-in-the-uk/): When looking for a mortgage, your application can be affected by several different factors. One, in particular, is your income, as how much you earn per annum will affect how much you can borrow from a mortgage lender and ultimately where you can afford to buy a home.
- [Can a Royal Street Name Increase the Value of a Property?](https://www.onlinemortgageadvisor.co.uk/blog/can-a-royal-name-increase-house-value/): There are many factors to consider when choosing a new home to buy, and each factor can impact the value of your home and how quickly they sell. But have you ever considered how having a “regal” street name might affect your house price?
- [What Is The Average Time It Takes To Sell a House In The UK](https://www.onlinemortgageadvisor.co.uk/blog/what-is-the-average-time-it-takes-to-sell-a-house-in-the-uk/): According to Gov.uk, buying or selling a home normally takes between two to three months, but the process can take longer if you’re part of a chain of buyers and sellers. But it seems some properties around the UK are having a hard time being flogged by estate agents in comparison to others. 
- [How Much Longer Do Women Have to Save to Buy a Home?](https://www.onlinemortgageadvisor.co.uk/blog/how-much-longer-do-women-have-to-save-to-buy-a-home/): Mortgages can be notoriously difficult to navigate and even more challenging to afford – even before considering the gender pay gap, which takes many women longer to save for a mortgage deposit than their male counterparts.
- [Mortgage Payment Holidays](https://www.onlinemortgageadvisor.co.uk/mortgage-payment-holidays/): But what exactly is a mortgage payment holiday?
- [Checkmyfile Explained](https://www.onlinemortgageadvisor.co.uk/blog/checkmyfile-explained/): Checkmyfile is a UK based service which provides access to credit reports using data from the four big credit reference agencies:
- [Coronavirus and UK Mortgages. Updated 04/03/21](https://www.onlinemortgageadvisor.co.uk/blog/coronavirus-and-mortgages/): UPDATED 04/03/21
- [Online Mortgage Advisor’s MD Is Up For A Prestigious Award](https://www.onlinemortgageadvisor.co.uk/blog/online-mortgage-advisors-manager-director-is-up-for-a-prestigious-award/): We’re delighted to announce that Online Mortgage Advisor’s managing director, Pete Mugleston, has made the final shortlist for the 2020 British Specialist Lending Awards.
- [What Impact Will the Next PM Have on House Prices?](https://www.onlinemortgageadvisor.co.uk/blog/prime-ministers-house-prices/): With the 12th December general election looming, and the country torn over Brexit and the future government, we’ve taken a look back at how each prime minister of the past five decades has performed when it comes to the housing market.

## Pages
- [Our Mortgage Advisors](https://www.onlinemortgageadvisor.co.uk/our-mortgage-advisors/)
- [Our Story](https://www.onlinemortgageadvisor.co.uk/our-story/)
- [How We Work](https://www.onlinemortgageadvisor.co.uk/how-we-work/): It’s standard practice across the mortgage industry for lenders, insurers, and other providers, to pay a commission when products are successfully arranged. As each provider only pays on success (and in actual fact, many will clawback commission if products are withdrawn), it is always in the advisors’ interest to recommend the right products that are appropriate and affordable.
- [Refer a Friend Scheme](https://www.onlinemortgageadvisor.co.uk/refer-a-friend-scheme/)
- [Mortgage Administrator – full-time](https://www.onlinemortgageadvisor.co.uk/careers/mortgage-administrator/)
- [Want To Join Our Mission To Be The Most Loved For Mortgages?](https://www.onlinemortgageadvisor.co.uk/careers/mortgage-advisor/)
- [Homepage](https://www.onlinemortgageadvisor.co.uk/)
- [Simon Cooper](https://www.onlinemortgageadvisor.co.uk/our-team/simon-cooper/)
- [Conveyancing Advice](https://www.onlinemortgageadvisor.co.uk/conveyancing/)
- [Mortgage Brokers Hub](https://www.onlinemortgageadvisor.co.uk/mortgage-broker/)
- [Joint Mortgages](https://www.onlinemortgageadvisor.co.uk/joint-mortgage/)
- [FAQs](https://www.onlinemortgageadvisor.co.uk/faqs/)
- [Nick Edmonds](https://www.onlinemortgageadvisor.co.uk/our-team/nick-edmonds/): As Online Mortgage Advisor’s head of operations, Chris spends most of his time liaising with our extensive network of mortgage brokers and making sure customers are matched with the right mortgage advisor as quickly and smoothly as possible.
- [How to Download Your Credit Report](https://www.onlinemortgageadvisor.co.uk/credit-reports/)
- [Your Credit Score](https://www.onlinemortgageadvisor.co.uk/your-credit-score/)
- [Mortgage Interest Rates Hub](https://www.onlinemortgageadvisor.co.uk/mortgage-interest-rates/)
- [In The Press](https://www.onlinemortgageadvisor.co.uk/in-the-press/)
- [Calculating The Difference In Your Mortgage](https://www.onlinemortgageadvisor.co.uk/mortgage-calculators/mortgage-difference-calculator/): To establish how much what you're borrowing will cost, have a play around with our mortgage repayment calculator here for an accurate measure of what a mortgage will cost, and you can also check how much you can borrow as well as get approved by the best lender, with our partners Mojo, for FREE!
- [Equity Release Calculator Online](https://www.onlinemortgageadvisor.co.uk/mortgage-calculators/equity-release-calculator/): To establish how much what you're borrowing will cost, have a play around with our mortgage repayment calculator here for an accurate measure of what a mortgage will cost, and you can also check how much you can borrow as well as get approved by the best lender, with our partners Mojo, for FREE!
- [Mortgage Overpayment Calculator](https://www.onlinemortgageadvisor.co.uk/mortgage-calculators/mortgage-overpayments-calculator/): To establish how much what you're borrowing will cost, have a play around with our mortgage repayment calculator here for an accurate measure of what a mortgage will cost, and you can also check how much you can borrow as well as get approved by the best lender, with our partners Mojo, for FREE!
- [Free Rental Yield Calculator](https://www.onlinemortgageadvisor.co.uk/mortgage-calculators/rental-yield-calculator/): To establish how much what you're borrowing will cost, have a play around with our mortgage repayment calculator here for an accurate measure of what a mortgage will cost, and you can also check how much you can borrow as well as get approved by the best lender, with our partners Mojo, for FREE!
- [Offset Mortgage Calculators](https://www.onlinemortgageadvisor.co.uk/mortgage-calculators/offset-mortgage-calculators/): To establish how much what you're borrowing will cost, have a play around with our mortgage repayment calculator here for an accurate measure of what a mortgage will cost, and you can also check how much you can borrow as well as get approved by the best lender, with our partners Mojo, for FREE!
- [Stamp Duty Calculator: Stamp Duty Land Tax Rates](https://www.onlinemortgageadvisor.co.uk/mortgage-calculators/stamp-duty-calculator/): To establish how much what you're borrowing will cost, have a play around with our mortgage repayment calculator here for an accurate measure of what a mortgage will cost, and you can also check how much you can borrow as well as get approved by the best lender, with our partners Mojo, for FREE!
- [Remortgage Calculators](https://www.onlinemortgageadvisor.co.uk/mortgage-calculators/remortgage-calculators/): To establish how much what you're borrowing will cost, have a play around with our mortgage repayment calculator here for an accurate measure of what a mortgage will cost, and you can also check how much you can borrow as well as get approved by the best lender, with our partners Mojo, for FREE!
- [Editorial Guidelines](https://www.onlinemortgageadvisor.co.uk/about-us/article-writing-policy/)
- [Jon Nixon](https://www.onlinemortgageadvisor.co.uk/our-team/jon-nixon/): Having previously worked as a graduate at the data goliath Experian, Pete started in mortgages at arguably the worst possible time, the credit crunch of 2008/9. It was a time that he describes as fertile ground to cut his teeth, with tight lending criteria and high unemployment that made whole of market of mortgage advice an incredibly difficult landscape. Despite this, Pete rose to become the most successful in the company (UK wide) within 9 months of becoming FCA regulated, and within 12 months was managing the branch, and recruiting and training new staff, many of whom were decades his senior.
- [Nathan Porter, Independent Mortgage Advisor](https://www.onlinemortgageadvisor.co.uk/our-team/nathan-porter/): Having previously worked as a graduate at the data goliath Experian, Pete started in mortgages at arguably the worst possible time, the credit crunch of 2008/9. It was a time that he describes as fertile ground to cut his teeth, with tight lending criteria and high unemployment that made whole of market of mortgage advice an incredibly difficult landscape. Despite this, Pete rose to become the most successful in the company (UK wide) within 9 months of becoming FCA regulated, and within 12 months was managing the branch, and recruiting and training new staff, many of whom were decades his senior.
- [Giving Back](https://www.onlinemortgageadvisor.co.uk/giving-back/)
- [Customer Stories: How We’ve Helped Thousands of Happy Customers](https://www.onlinemortgageadvisor.co.uk/customer-stories/)
- [Mercy Hands Uganda Charity](https://www.onlinemortgageadvisor.co.uk/mercyhandsuganda/)
- [Terms and Conditions](https://www.onlinemortgageadvisor.co.uk/terms-and-conditions/): We strongly believe in protecting visitors to our website and any of the information that may be provided to us. We take your privacy seriously, please read carefully below to be clear on what our policy is.
- [OMA® Service Guarantee](https://www.onlinemortgageadvisor.co.uk/mortgage-guarantee/): OMA® Service Guarantee
- [Mortgage Calculators](https://www.onlinemortgageadvisor.co.uk/mortgage-calculators/): Whether you're buying a new property and want to know the maximum you can borrow, you're looking to rent your property out and want to know how much rental income you need, or you're just trying to work out the monthly cost of a particular mortgage, our calculators are here to give you that info straight away.
- [Mortgage Declined Advice](https://www.onlinemortgageadvisor.co.uk/mortgage-refused/)
- [95% LTV Mortgages](https://www.onlinemortgageadvisor.co.uk/95-ltv-mortgages/)
- [David Bird Marketing Director](https://www.onlinemortgageadvisor.co.uk/our-team/david-bird/): As our digital marketing guru, David is an expert in SEO, PR and content. His principles-based approach to marketing has been instrumental in helping us position ourselves where we need to be to attract customers and deliver the best possible experience.
- [Meet The Team](https://www.onlinemortgageadvisor.co.uk/our-team/): Online Mortgage Advisor employs a team of dedicated content and marketing specialists with experience in finance, and we work with expert mortgage brokers who have whole-of-market knowledge and niche expertise.
- [Variable Rate Mortgages](https://www.onlinemortgageadvisor.co.uk/variable-rate-mortgages/): Standard variable rate simply refers to the interest rate on a mortgage that is not currently locked into a ‘fixed’ rate or tracker, usually because the initial deal has elapsed. Each lender sets its own SVR that will kick in once a customer’s initial fixed rate or discounted deal has come to an end, and as the name suggests, these rates can fluctuate.
- [Equity Release Advice](https://www.onlinemortgageadvisor.co.uk/equity-release-mortgages/): The key factors when it comes to eligibility are being over 55 (or 65 for home reversion) and owning your home outright. Some lenders also have minimum property values and won’t approve an application unless your home is worth at least £75,000 on the market.
- [Mental Wellbeing](https://www.onlinemortgageadvisor.co.uk/wellbeing/): A post about what the hell we're up to, and why! Our survey knocked us back as we uncovered just how people are feeling when moving home. See the results here.
- [Fixed-Rate Mortgages Hub](https://www.onlinemortgageadvisor.co.uk/fixed-rate-mortgage/)
- [Careers at Online Mortgage Advisor](https://www.onlinemortgageadvisor.co.uk/careers/): We started at arguably the worst time possible – right in the middle of the credit crunch, when the demand from borrowers remained, but mortgage lenders struggled, and eligibility was tight.
- [Tracker Mortgages](https://www.onlinemortgageadvisor.co.uk/tracker-mortgages/): To truly understand tracker mortgages, it’s best to see an example.  The Bank of England’s Base Rate can fluctuate but at the time of writing, it is 0.75%. Therefore, if your tracker mortgage is the Base Rate +2%, and the Base Rate rate is 0.75%, you will pay 2.75%.  However, if the Base Rate increases to 1%, you will pay 3%.
- [Property Types and Mortgages](https://www.onlinemortgageadvisor.co.uk/property-types/): Property type is one of several factors that lenders consider when assessing mortgage applications, so it will inevitably have some impact on any offer you might receive, even if there’s nothing unusual about the property. For example, most mortgage providers have different lending policies for houses and flats, even those of standard construction type, and will generally apply stricter criteria for flats. 
- [Can I Get a Mortgage?](https://www.onlinemortgageadvisor.co.uk/mortgage-application/can-i-get-a-mortgage/): There is no doubt that in the current financial market obtaining a mortgage has never been more difficult. That’s why we believe getting the help from experienced mortgage brokers is absolutely essential.
- [Large Mortgage Loans](https://www.onlinemortgageadvisor.co.uk/large-mortgage-loans/): If the income is acceptable, most mainstream mortgage deals are usually limited to 4x or 5x annual gross figure for employees, net profit for sole traders and partnerships, and salary + dividends for limited company directors. However, some lenders are prepared to expand this for high earners looking for bigger borrowings and can consider discretionary income stretches for affluent clients, allowing a far higher maximum mortgage amount, in some instances to an excess of 6x or 7x income.
- [Second Home Mortgages Hub](https://www.onlinemortgageadvisor.co.uk/2nd-home-mortgages/): This will depend on a number of factors. You may have passed the eligibility criteria for your existing mortgage without a problem, but UK lenders tend to be much stricter when assessing applications for second homes.
- [Remortgage Advice](https://www.onlinemortgageadvisor.co.uk/remortgages/): Compared to getting a mortgage to buy a property, remortgaging is usually much easier and quicker to complete. It’s relatively normal to complete the transaction inside a month and can, sometimes, be sorted even faster. To ensure a smooth transaction it pays to approach things with accuracy from the start and have everything you need gathered together before you apply.
- [Second Charge Mortgages](https://www.onlinemortgageadvisor.co.uk/second-charge-mortgages/): Second charge mortgages are secured loans, often referred to simply as second mortgages or homeowner loans. Second charge loans are available in the U.K for anyone who owns a property and has an existing mortgage in place.
- [Mortgage Repayments](https://www.onlinemortgageadvisor.co.uk/mortgage-repayments/): 4%

## Customer Stories
- [Matthew Hill](https://www.onlinemortgageadvisor.co.uk/customer-stories/matthew-hill/)
- [Tamsin Maclellan](https://www.onlinemortgageadvisor.co.uk/customer-stories/tamsin-maclellan/)
- [Kevin Williams](https://www.onlinemortgageadvisor.co.uk/customer-stories/kevin-williams/)
- [Kerry Eaton](https://www.onlinemortgageadvisor.co.uk/customer-stories/kerry-eaton/)
- [Claire Williams](https://www.onlinemortgageadvisor.co.uk/customer-stories/claire-williams/)
- [Marcus Wyatt](https://www.onlinemortgageadvisor.co.uk/customer-stories/marcus-wyatt/)
- [Rebecca Priest](https://www.onlinemortgageadvisor.co.uk/customer-stories/rebecca-priest/)
- [Aimee Wilson](https://www.onlinemortgageadvisor.co.uk/customer-stories/aimee-wilson/)

## Mortgage Posts
- [Guide To Switching Mortgage Providers](https://www.onlinemortgageadvisor.co.uk/remortgages/switching-mortgage-providers/)
- [Getting a Mortgage For a Prefab House](https://www.onlinemortgageadvisor.co.uk/property-types/prefab-house-mortgage-1/): Prefab homes in the UK are often associated with the prefabricated houses built in the years after the Second World War to provide temporary replacement homes. While they were intended to be only temporary structures, the housing was used for many years, and some original prefab houses still exist today.
- [What To Do If Your Mortgage Is Declined By An Underwriter](https://www.onlinemortgageadvisor.co.uk/mortgage-refused/what-to-do-if-youve-had-a-mortgage-declined-by-an-underwriter/)
- [How To Deal With Mortgage Arrears](https://www.onlinemortgageadvisor.co.uk/mortgage-repayments/mortgage-arrears/)
- [Should You Ever Stay On Your Lender’s SVR?](https://www.onlinemortgageadvisor.co.uk/variable-rate-mortgages/should-you-ever-stay-on-your-lenders-svr/)
- [What To Do When You Become an Accidental Landlord](https://www.onlinemortgageadvisor.co.uk/buy-to-let-mortgages/accidental-landlord/)
- [How Much Should You Expect to Pay in Mortgage Fees?](https://www.onlinemortgageadvisor.co.uk/mortgage-application/how-much-should-you-expect-to-pay-in-mortgage-fees/)
- [Deposit Requirements for EU Pre-Settled Status Mortgages](https://www.onlinemortgageadvisor.co.uk/deposits/deposit-requirements-for-mortgage-applicants-with-eu-pre-settled-status/)
- [How To Save Money For a Mortgage Deposit](https://www.onlinemortgageadvisor.co.uk/deposits/how-to-save-money-for-a-mortgage-deposit/)
- [What is Considered a Second Home?](https://www.onlinemortgageadvisor.co.uk/2nd-home-mortgages/what-is-classed-as-a-second-home/)
- [What are Local Authority Searches?](https://www.onlinemortgageadvisor.co.uk/conveyancing/what-are-local-authority-searches/)
- [What is an Environmental Search?](https://www.onlinemortgageadvisor.co.uk/conveyancing/what-is-an-environmental-search/)
- [What are Land Registry Searches?](https://www.onlinemortgageadvisor.co.uk/conveyancing/what-are-land-registry-searches/)
- [How Does a Mortgage Valuation Work?](https://www.onlinemortgageadvisor.co.uk/conveyancing/how-does-a-mortgage-valuation-work/)
- [Why Do Mortgage Lenders Conduct a Water and Drainage Search?](https://www.onlinemortgageadvisor.co.uk/conveyancing/water-and-drainage-search/)
- [Is Now A Good Time To Remortgage?](https://www.onlinemortgageadvisor.co.uk/remortgages/is-now-a-good-time-to-remortgage/)
- [What Is Conveyancing?](https://www.onlinemortgageadvisor.co.uk/conveyancing/what-is-conveyancing/)
- [Can You Add Solicitors Fees to a Mortgage?](https://www.onlinemortgageadvisor.co.uk/conveyancing/can-you-add-solicitors-fees-to-a-mortgage/)
- [What Is a Higher Lending Charge?](https://www.onlinemortgageadvisor.co.uk/mortgage-application/what-is-a-higher-lending-charge/)
- [Changing From ‘Tenants In Common’ To ‘Joint Tenants’](https://www.onlinemortgageadvisor.co.uk/mortgage-application/changing-from-tenants-in-common-to-joint-tenants/)
- [Does an Agreement in Principle Affect Credit Score?](https://www.onlinemortgageadvisor.co.uk/bad-credit-mortgages/does-an-agreement-in-principle-affect-credit-score/)
- [Buy-for-Uni Mortgages Explained](https://www.onlinemortgageadvisor.co.uk/income-types/buy-for-uni-mortgages/)
- [Getting a Mortgage on a Property Near a Railway Line](https://www.onlinemortgageadvisor.co.uk/property-types/getting-a-mortgage-on-a-property-near-a-railway-line/)
- [Can I Buy My Rental House From My Landlord?](https://www.onlinemortgageadvisor.co.uk/first-time-buyer-mortgages/can-i-buy-my-rental-house-from-my-landlord/)
- [What Happens If You Have a Joint Mortgage and Split Up?](https://www.onlinemortgageadvisor.co.uk/joint-mortgage/what-happens-if-you-have-a-joint-mortgage-and-split-up/)
- [Is There a Specific Credit Score You Need For a Mortgage?](https://www.onlinemortgageadvisor.co.uk/bad-credit-mortgages/what-credit-score-do-you-need-for-a-mortgage/)
- [£750,000 Mortgage: Monthly Repayments & Income Requirements](https://www.onlinemortgageadvisor.co.uk/mortgage-repayments/repayments-on-a-750000-mortgage/)
- [What Documents Do You Need For a Mortgage Application?](https://www.onlinemortgageadvisor.co.uk/mortgage-application/what-documents-do-you-need-for-a-mortgage-application/)
- [How Long Does It Take To Remortgage?](https://www.onlinemortgageadvisor.co.uk/remortgages/how-long-does-it-take-to-remortgage/)
- [£900,000 Mortgage: Monthly Repayments & Income Requirements](https://www.onlinemortgageadvisor.co.uk/mortgage-repayments/repayments-on-a-900000-mortgage/)
- [£800,000 Mortgage: Monthly Repayments & Income Requirements](https://www.onlinemortgageadvisor.co.uk/mortgage-repayments/repayments-on-a-800000-mortgage/)
- [£700,000 Mortgage: Monthly Repayments & Income Requirements](https://www.onlinemortgageadvisor.co.uk/mortgage-repayments/repayments-on-a-700000-mortgage/)
- [£600,000 Mortgage: Monthly Repayments & Income Requirements](https://www.onlinemortgageadvisor.co.uk/mortgage-repayments/repayments-on-a-600000-mortgage/)
- [How Is Self-Employed Income Calculated For a Mortgage?](https://www.onlinemortgageadvisor.co.uk/self-employed-mortgages/how-is-self-employed-income-calculated-for-a-mortgage/)
- [Should I Get a Lifetime Mortgage?](https://www.onlinemortgageadvisor.co.uk/lifetime-mortgages/should-i-get-a-lifetime-mortgage/)
- [Should I Fix My Mortgage?](https://www.onlinemortgageadvisor.co.uk/fixed-rate-mortgage/should-i-fix-my-mortgage/)
- [How Much Does It Cost To Remortgage?](https://www.onlinemortgageadvisor.co.uk/remortgages/how-much-does-it-cost-to-remortgage/)
- [How To Get The Best Remortgage Deal](https://www.onlinemortgageadvisor.co.uk/remortgages/how-to-get-the-best-remortgage-deal/)
- [What is an Early Repayment Charge?](https://www.onlinemortgageadvisor.co.uk/mortgage-repayments/what-is-an-early-repayment-charge/)
- [Government Schemes For First-Time Buyers](https://www.onlinemortgageadvisor.co.uk/first-time-buyer-mortgages/government-schemes-for-first-time-buyers/)
- [When Can You Remortgage?](https://www.onlinemortgageadvisor.co.uk/remortgages/when-can-you-remortgage/)
- [Is Shared Ownership Worth It?](https://www.onlinemortgageadvisor.co.uk/shared-ownership/is-shared-ownership-worth-it/)
- [Am I Eligible For Shared Ownership?](https://www.onlinemortgageadvisor.co.uk/shared-ownership/am-i-eligible-for-shared-ownership/)
- [Can My Son Buy My Council House For Me?](https://www.onlinemortgageadvisor.co.uk/right-to-buy-mortgages/can-my-son-buy-my-council-house-for-me/)
- [8 Alternatives To Bridging Loans](https://www.onlinemortgageadvisor.co.uk/bridging-finance/alternatives-to-bridging-loans/)
- [Can You Avoid Paying Stamp Duty on a Second Home?](https://www.onlinemortgageadvisor.co.uk/2nd-home-mortgages/how-to-avoid-stamp-duty-on-a-second-home/)
- [What is a First-Time Buyer?](https://www.onlinemortgageadvisor.co.uk/first-time-buyer-mortgages/what-is-a-first-time-buyer/)
- [Removing An IVA From Your Credit Reports](https://www.onlinemortgageadvisor.co.uk/credit-reports/remove-iva/)
- [Removing Missed Payments From Your Credit Report](https://www.onlinemortgageadvisor.co.uk/credit-reports/remove-missed-payments/)
- [Removing A Bankruptcy From Your Credit Report](https://www.onlinemortgageadvisor.co.uk/credit-reports/remove-bankruptcy/)

## News
- [Autumn Budget 2025: What It Means For Homeowners and Landlords](https://www.onlinemortgageadvisor.co.uk/news/autumn-budget-2025/)
- [Labour House Building Policy In Danger of Failing](https://www.onlinemortgageadvisor.co.uk/news/labour-house-building-policy-in-danger-of-failing/)
- [Will Higher Stamp Duty Thresholds Help First-Time Buyers?](https://www.onlinemortgageadvisor.co.uk/news/stamp-duty-first-time-buyers/)
- [Little of Note For Housing Market In Spring Statement](https://www.onlinemortgageadvisor.co.uk/news/chancellors-spring-statement-announces-little-of-note-for-housing-market/)
- [Bank of England Cuts Interest Rates to 4.5%](https://www.onlinemortgageadvisor.co.uk/news/bank-of-england-cuts-interest-rates-to-4-5/)
- [18 of 21 Experts Think Mortgage Rates Will Fall In The New Year](https://www.onlinemortgageadvisor.co.uk/news/2025-mortgage-predictions/)
- [Will Donald Trump’s Election Harm The UK Housing Market?](https://www.onlinemortgageadvisor.co.uk/news/will-donald-trumps-election-harm-the-uk-housing-market/)
- [New Council Homes Might Not Be Eligible For Right to Buy](https://www.onlinemortgageadvisor.co.uk/news/new-council-homes-right-to-buy/)
- [Bank of England Cuts Interest Rates to 4.75%](https://www.onlinemortgageadvisor.co.uk/news/bank-of-england-cuts-interest-rates-to-4-75/)
- [Rachel Reeves Announces Tax Rises of £40 Billion in Autumn Budget](https://www.onlinemortgageadvisor.co.uk/news/rachel-reeves-announces-tax-rises-of-40-billion-in-autumn-budget/)
- [Bank of England Holds Interest Rates at 5%](https://www.onlinemortgageadvisor.co.uk/news/bank-of-england-holds-interest-rates-at-5/)
- [Virgin Offer New Retrofit Boost Mortgage With Up To £15k Cashback](https://www.onlinemortgageadvisor.co.uk/news/retrofit-boost-mortgage/)
- [Labour Government Announces New Housebuilding Targets](https://www.onlinemortgageadvisor.co.uk/news/labour-government-announces-new-housebuilding-targets/)
- [Host of Major Lenders Make Cuts To Mortgage Rates](https://www.onlinemortgageadvisor.co.uk/news/host-of-major-lenders-make-cuts-to-mortgage-rates/)
- [What Are The Housing Policies of The Party’s Ahead of The Election?](https://www.onlinemortgageadvisor.co.uk/news/what-are-the-housing-policies-of-the-partys-ahead-of-the-election/)
- [Octopus Energy and Perenna Offer New ‘Zero Bills’ Mortgage](https://www.onlinemortgageadvisor.co.uk/news/zero-bills-mortgage/)
- [Labour’s Bold Housing Policy Could Win Them The Next Election](https://www.onlinemortgageadvisor.co.uk/news/labour-housing-policy/)

## Team Members
- [Jamie Selby](https://www.onlinemortgageadvisor.co.uk/advisor/jamie-selby/)
- [Sonny Sahota](https://www.onlinemortgageadvisor.co.uk/advisor/sonny-sahota/)
- [Gerry O’Brien](https://www.onlinemortgageadvisor.co.uk/advisor/gerry-obrien/)
- [Natalie Bentley](https://www.onlinemortgageadvisor.co.uk/advisor/natalie-bentley/)
- [Alex Atkinson](https://www.onlinemortgageadvisor.co.uk/advisor/alex-atkinson/)
- [Aaron Liddell](https://www.onlinemortgageadvisor.co.uk/advisor/aaron-liddell/)
- [Jon Hatfield](https://www.onlinemortgageadvisor.co.uk/advisor/jon-hatfield/)
- [Steve Sherwood](https://www.onlinemortgageadvisor.co.uk/advisor/steve-sherwood/)
- [Ishwar Mair](https://www.onlinemortgageadvisor.co.uk/advisor/ishwar-mair/)
- [Dalia Mugleston](https://www.onlinemortgageadvisor.co.uk/advisor/dalia-mugleston/)
- [Victoria Davidson](https://www.onlinemortgageadvisor.co.uk/advisor/victoria-davidson/)
- [Chloe Wagstaff](https://www.onlinemortgageadvisor.co.uk/advisor/chloe-wagstaff/)
- [April Cooper](https://www.onlinemortgageadvisor.co.uk/advisor/april-cooper/)
- [Rhianna Carlyle](https://www.onlinemortgageadvisor.co.uk/advisor/rhianna-carlyle/)
- [Jenna Boal](https://www.onlinemortgageadvisor.co.uk/advisor/jenna-boal/)
- [Simon Cooper](https://www.onlinemortgageadvisor.co.uk/advisor/simon-cooper/)
- [Nick Edmonds](https://www.onlinemortgageadvisor.co.uk/advisor/nick-edmonds/)
- [Sion Hill](https://www.onlinemortgageadvisor.co.uk/advisor/sion-hill/)
- [David Bird](https://www.onlinemortgageadvisor.co.uk/advisor/david-bird/)
- [Lee Jevon](https://www.onlinemortgageadvisor.co.uk/advisor/lee-jevon/)
- [George Sweeney](https://www.onlinemortgageadvisor.co.uk/advisor/george-sweeney/)
- [Mark Langshaw](https://www.onlinemortgageadvisor.co.uk/advisor/128336/)
- [Mike Whitehead](https://www.onlinemortgageadvisor.co.uk/advisor/mike-whitehead/)
- [Jo Middleton](https://www.onlinemortgageadvisor.co.uk/advisor/jo-middleton/)
- [Tom Stevenson](https://www.onlinemortgageadvisor.co.uk/advisor/128332/)
- [Pete Mugleston](https://www.onlinemortgageadvisor.co.uk/advisor/128331/)
- [Mark O’Connor](https://www.onlinemortgageadvisor.co.uk/advisor/mark-o-connor/)
- [Oliver Woodason](https://www.onlinemortgageadvisor.co.uk/advisor/oliver-woodason/)
- [Roxanne Hindle](https://www.onlinemortgageadvisor.co.uk/advisor/roxanne-hindle/)
- [Richard Fowler](https://www.onlinemortgageadvisor.co.uk/advisor/richard-fowler/)
- [David Whitehouse](https://www.onlinemortgageadvisor.co.uk/advisor/david-whitehouse/)
- [David Farrell](https://www.onlinemortgageadvisor.co.uk/advisor/david-farrell/)
- [Scott Austin](https://www.onlinemortgageadvisor.co.uk/advisor/scott-austin/)
- [Ben Lawson](https://www.onlinemortgageadvisor.co.uk/advisor/ben-lawson/)
- [Sheridan Repton](https://www.onlinemortgageadvisor.co.uk/advisor/sheridan-repton/)
- [Graham Turner](https://www.onlinemortgageadvisor.co.uk/advisor/graham-turner/)
- [Luke Naylor](https://www.onlinemortgageadvisor.co.uk/advisor/luke-naylor/)
- [Jean Pierre Kalebic](https://www.onlinemortgageadvisor.co.uk/advisor/jean-pierre-kalebic/)
- [Stephen Slatter](https://www.onlinemortgageadvisor.co.uk/advisor/stephen-slatter/)
- [Richard Davidson](https://www.onlinemortgageadvisor.co.uk/advisor/richard-davidson/)