Services - HomeOwners Alliance
HomeOwners Alliance Services| HomeOwners Alliance
New Build Conveyancing Explained 2026 - HomeOwners Alliance
Buying a new build home? The new build conveyancing process can be complex. We look at how it works and what to watch out for.| HomeOwners Alliance
First Time Buyer Schemes 2026 - HomeOwners Alliance
Overview of government first time buyer schemes to help you to buy a home in 2026: Shared Ownership, Rent to Buy, First Homes...| HomeOwners Alliance
How To Speed Up Conveyancing - HomeOwners Alliance
When you’re buying or selling a home and want to avoid delays you’ll want to know how to speed up conveyancing. Here's what you need to know.| HomeOwners Alliance
How To Protect Your Property From Fraud - HomeOwners Alliance
People are increasingly falling victim to property fraud because scammers' tactics have become more sophisticated. Here's what you can do.| HomeOwners Alliance
How Long Does It Take To Sell A House? - HomeOwners Alliance
How long does it take to sell a house? We look at what can cause delays in the house selling process and how you can sell a house more quickly.| HomeOwners Alliance
How Do I Break The Housing Chain? - HomeOwners Alliance
Being stuck in a housing chain can be stressful and costly. If someone pulls out you can be back at square one. Learn how to break free.| HomeOwners Alliance
Mortgage Declined? Here’s What To Do Next - HomeOwners Alliance
“Mortgage declined” are the words no one wants to hear. But it isn't the end. Here's how to improve your chances of success next time.| HomeOwners Alliance
Do Estate Agents Need Proof Of Funds? - HomeOwners Alliance
When you make an offer on a house the estate agent will ask for proof of funds. Here’s why they are asking and what you have to provide.| HomeOwners Alliance
TA6 Property Information Form Explained - HomeOwners Alliance
If you’re selling a property you’ll need to fill in a TA6 form. We explain what you'll need to include and why getting it wrong is a problem.| HomeOwners Alliance
Modern Method Of Auction Explained
As the modern method of auction becomes a more common way of buying and selling houses we look at how it works and what to beware of.| HomeOwners Alliance
Selling A House With A Mortgage: How It Works And Your Options - HomeOwners Alliance
Learn how selling a house with a mortgage works, what happens to your mortgage when you sell, and whether moving your deal or taking out a new one is right for you.| HomeOwners Alliance
Let To Buy Mortgages Explained - HomeOwners Alliance
Let to Buy mortgages can help you buy your next house when you haven’t got a buyer for your existing home. We look at the pros and cons...| HomeOwners Alliance
Best Way To Finance Home Improvements - HomeOwners Alliance
What's the best way to finance home improvements. We look at options from extending your mortgage, remortgaging, personal loans and more.| HomeOwners Alliance
Remortgaging Costs: How Much Will You Have To Pay? 2026 - HomeOwners Alliance
We explain the range of remortgaging costs you could face and how to keep the costs down...| HomeOwners Alliance
Stamp Duty For Buy To Lets - HomeOwners Alliance
You'll pay a 5% surcharge on stamp duty for Buy to Let properties. See rates, when the surcharge applies & stamp duty calculator to work out what you pay.| HomeOwners Alliance
Buy To Let Conveyancing - HomeOwners Alliance
Buying an investment property? Here's everything you need to know about the buy-to-let conveyancing process and buy-to-let conveyancing fees.| HomeOwners Alliance
How To Invest In Property In The UK 2026 - HomeOwners Alliance
Investing in property can be a lucrative way to earn money. But how much cash do you need and what should you beware of before you invest in property?| HomeOwners Alliance
Buying A Second Home: Costs, Mortgages And Tax Explained - HomeOwners Alliance
Buying a second home? Our expert guide explains the costs, mortgage options, taxes and rules you need to know — from Stamp Duty to making money through letting.| HomeOwners Alliance
Inheriting A House: What You Need To Know - HOA
There's a lot to consider when you inherit a house. Taxes? Keep it or sell? What if there is a mortgage? Here's our complete guide to inheriting a house...| HomeOwners Alliance
A Guide To Buying A First Home
We simplify the essential first steps and set out what you need to do and what help you can access to enable you to buying a first home.| HomeOwners Alliance
10 Ways To Lower Mortgage Payments - HomeOwners Alliance
As spiraling interest rate, energy, food, petrol prices grip the nation, we look at the top ways to lower mortgage payments.| HomeOwners Alliance
How Long Does It Take To Get A Mortgage Offer? - HomeOwners Alliance
How long does it take to get a mortgage and how can you speed it up? We explain everything you need to know about getting a mortgage.| HomeOwners Alliance
How To Make A Successful Mortgage Application - HomeOwners Alliance
Whether you're buying your first home or remortgaging, see what questions you'll be asked and how to make a successful mortgage application.| HomeOwners Alliance
Buying A House With Friends - HomeOwners Alliance
Buying a house with friends means you'll have a bigger deposit and get on the property ladder faster. But there are pitfalls to beware of. We explain all...| HomeOwners Alliance
Should I Remortgage Now? 2026 - HomeOwners Alliance
Remortgaging could save you £1,000s a year. We explain how to do it if you're asking 'Should I remortgage now?'| HomeOwners Alliance
How To Get A Mortgage In 6 Easy Steps - HomeOwners Alliance
From how to prepare for your mortgage application to how to boost your chances of it being accepted, here's how to get a mortgage.| HomeOwners Alliance
How Long Does Conveyancing Take? The Timeline In 2026
Conveyancing is the legal process of transfering ownership of a property. But how long does conveyancing take? How to speed up the process.| HomeOwners Alliance
Can I Afford To Buy A Home? - HomeOwners Alliance
What are typical deposits, how much you can borrow with your income and costs of buying to help you decide if you can afford to buy a home.| HomeOwners Alliance
Freedom To Buy Mortgage Scheme 2026 - HomeOwners Alliance
The Labour government has pledged to launch the Freedom to Buy mortgage scheme, which will be a permanent mortgage guarantee scheme, to support lending at 95%| HomeOwners Alliance
Types Of Mortgages Explained & How To Choose The Right One - HomeOwners Alliance
Learn about the different types of mortgages available in the UK, including fixed, tracker, repayment and interest-only, and how to choose the right one for you.| HomeOwners Alliance
Mortgage Fees Explained - HomeOwners Alliance
Getting a mortgage involves paying a number of associated mortgage fees. We explain how much they cost and what they are.| HomeOwners Alliance
Do I Need A Mortgage Broker? - HomeOwners Alliance
Find out if you really need a mortgage broker, what they do, how much they cost, and when to use one. Compare fee-free and paid options to get the best deal.| HomeOwners Alliance
When To Apply For A Mortgage? - HomeOwners Alliance
If you’re buying a house you’ll want to know when to apply for a mortgage. We explain why starting ASAP is crucial and the steps you need to take and when.| HomeOwners Alliance
11 Tips To Improve Your Credit Score For A Mortgage - HOA
Find out how to improve your credit rating to get access to the best mortgage deals and the most competitive mortgage rates| HomeOwners Alliance
Early Repayment Charges And How To Avoid Them
If you’ve got a mortgage an early repayment charge could cost you £1000s. We look at when you’d need to pay an ERC and how to avoid them.| HomeOwners Alliance
First Time Buyers In London: Estate Agent POV - HOA
First time buyers in London face extra challenges. A top London estate agent gives his expert advice on how to get on the property ladder.| HomeOwners Alliance
How Much Can I Borrow Calculator - HomeOwners Alliance
Use our free how much can I borrow calculator to give you an idea of how much mortgage you can borrow based on your income.| HomeOwners Alliance
What Percentage Of Income Should Go To Your Mortgage? - HomeOwners Alliance
Find out how much you can afford to borrow without over-stretching yourself and what percentage of income should go to your mortgage.| HomeOwners Alliance
Conveyancing Process Explained For Buyers - HomeOwners Alliance
What is conveyancing? The conveyancing process refers to the legal process of buying a house. Here are all the stages of conveyancing process.| HomeOwners Alliance
Buy To Let For First Time Buyers Explained - HomeOwners Alliance
Being a Buy to Let first time buyer can be a great way to get on the property ladder - but it comes with risks. We assess the pros and cons.| HomeOwners Alliance
First Time Buyer Stamp Duty - HomeOwners Alliance
Stamp duty can add thousands to the price of buying a home, but the good news is first time buyer stamp duty relief could eliminate your bill.| HomeOwners Alliance
Cost Of Selling A House In 2026 & The Best Ways To Save
What is the cost of selling a house in 2026? We set out what to expect from estate agent fees, legal fees and all the other costs you'll pay.| HomeOwners Alliance
House Offer Accepted - What Now? Key Steps To Take Immediately - HomeOwners Alliance
When your offer on a house is accepted, what happens next? From conveyancing to surveys, here’s what to do to keep your purchase on track.| HomeOwners Alliance
Changing Solicitors Mid-purchase - Can It Be Done? - HOA
Buying or selling a house and not happy with your solicitor, you may ask: is changing solicitors mid-purchase possible? Yes, but it depends on a few factors...| HomeOwners Alliance
Conditional Selling: Do I Have To Use An Estate Agent’s Mortgage Adviser? - HomeOwners Alliance
Pressured into using estate agent's mortgage adviser or conveyancer? We look at why this conditioning selling is not right and what you can do.| HomeOwners Alliance
Buying Position Explained - HomeOwners Alliance
Selling your house is not always about accepting the highest offer. We look at how buying position of different buyers might affect which offer you accept.| HomeOwners Alliance
Downsizing Your House: The Pros And Cons 2026 - HomeOwners Alliance
There are a number of reasons downsizing to somewhere smaller is a good idea. We look at the pros and cons of downsizing your house.| HomeOwners Alliance
Remortgaging To Release Equity
Remortgaging to release equity means freeing up the cash in your home. But how do you do it, how much does it cost and what are the risks?| HomeOwners Alliance
Buy To Let Mortgage Calculator - HomeOwners Alliance
See instantly how much you could borrow with our simple Buy to Let mortgage calculator. Plus see what Buy to Let mortgage deals you may qualify for.| HomeOwners Alliance
Buying A House With A Partner - HomeOwners Alliance
Buying a house with a partner is exciting. But there are pitfalls. We take a look so you can buy your home confident that you're both protected| HomeOwners Alliance
Should I Buy The Freehold? - HomeOwners Alliance
If you own a leasehold flat you don’t own the building. We look at the option to buy the freehold and right to manage.| HomeOwners Alliance
Step By Step Guide To Buying A Freehold - HomeOwners Alliance
Keen to join forces with fellow residents and take back some control? We’ve got you covered with our step by step guide to buying a freehold.| HomeOwners Alliance
Leasehold Charges - What To Know - HomeOwners Alliance
Buying a leasehold property? You need to know what leasehold charges to expect before you buy: ground rent, service charges, admin costs...| HomeOwners Alliance
Spray Foam Insulation Warning To Homeowners - HomeOwners Alliance
Spray foam insulation applied to lofts is popular, but be warned there are implications for your mortgage & equity release. Here's everything you need to know| HomeOwners Alliance
Subsidence: What Is It And How To Prevent It
Subsidence -- we explain what it is, subsidence signs, how to prevent it, get it fixed, costs and buying a property with subsidence.| HomeOwners Alliance
Mortgage Cost Calculator - HomeOwners Alliance
Use our mortgage cost calculator to get an estimate of the monthly repayment cost of different mortgage options -- simple to use with instant results.| HomeOwners Alliance
Stamp Duty Calculator - HomeOwners Alliance
Stamp duty calculator for England, Northern Ireland, Wales, Scotland. First time buyer relief, second home, buy to let, non UK resident calculations.| HomeOwners Alliance
Gifted Deposits Explained - HomeOwners Alliance
Gifted deposits are a common feature of buying a home. Find out what gifted deposits are, how they work and the legal and tax implications| HomeOwners Alliance
Life Insurance: How It Works, Types And Costs
How does life insurance work, how much does it cost and do you need it?| HomeOwners Alliance
Cash Buyer Explained - HomeOwners Alliance
What is a cash buyer? You can buy a property outright without a mortgage. We explain how to buy a house with cash and what to watch for.| HomeOwners Alliance
A Bad House Survey Report - What To Do Next - HOA
A bad house survey report can be a concern for buyers. But a 'bad survey' doesn’t have to mean the end of a sale. Here's what you can do.| HomeOwners Alliance
How Much Does A House Survey Cost In 2025? - HomeOwners Alliance
How much does a house survey cost in 2025? Between £400 to £1500 depending on the type of survey and the value and location of the property.| HomeOwners Alliance
Best Mortgage Lenders 2025 - HomeOwners Alliance
Finding the best mortgage lenders is almost as important as getting the cheapest mortgage rate, if not more depending on your personal situation.| HomeOwners Alliance
What Is An Interest-only Mortgage? Can I Get One? - HomeOwners Alliance
Understand how interest-only mortgages work, compare rates and lenders, and see BTL, retirement and lifetime options. Expert 2025 guide from HomeOwners Alliance| HomeOwners Alliance
Budget 2025: How Much Will It Cost Me? - HomeOwners Alliance
Budget 2025: How much will it cost you? Predicted income tax rises, impact on mortgages, mansion tax costs, inheritance tax changes & how to prepare.| HomeOwners Alliance
5% Deposit Mortgages | 95% Mortgages Explained - HomeOwners Alliance
5% deposit mortgages can speed up first time buyers getting on the property ladder. We look at the pros & cons and how to find the best rates - updated daily.| HomeOwners Alliance
Self-employed Mortgage Guide 2026 - HomeOwners Alliance
Self-employed mortgages can be harder to get. We look at how to boost your chances of being accepted and how to find the best mortgage deal.| HomeOwners Alliance
Right To Buy Explained: Buying Your Council House - HomeOwners Alliance
The Right to Buy scheme allows secure tenants of council homes & housing association properties to buy their home. Here's how it works.| HomeOwners Alliance
First Time Buyer Mortgages - Tips, Deposits, Rates & More
Ready to get onto the property ladder? Here’s all the first time buyer mortgage advice you need| HomeOwners Alliance
How To Make An Offer On A House & Negotiate Effectively In 2025 - HomeOwners Alliance
See our tips on how to make an offer on a house and negotiating tactics to boost your chances of getting your dream house without overpaying| HomeOwners Alliance
Loan To Value (LTV) Calculator - HomeOwners Alliance
Calculate your loan to value (LTV) ratio instantly with our simple mortgage loan to value calculator.| HomeOwners Alliance
Best Buy To Let Mortgage Rates - October 2025 - HomeOwners Alliance
Compare the best Buy to Let mortgage rates in October 2025 - and your options if you're struggling with rising Buy to Let mortgage costs| HomeOwners Alliance
Offset Mortgages Explained - HomeOwners Alliance
Can you reduce your mortgage payments or pay it off sooner with an offset mortgage? Here’s how they work and the pros & cons.| HomeOwners Alliance
Are Green Mortgages Worth It In 2025? - HomeOwners Alliance
Are green mortgages worth it and how can you get one? And will you need to improve your home’s EPC rating to get a mortgage? We take a look.| HomeOwners Alliance
Buy To Let Mortgages Explained - HomeOwners Alliance
How does Buy to Let work? From buy to let mortgages, the best buy to let mortgage rates, tax and more, we explain everything you need to know| HomeOwners Alliance
Remortgaging A Buy To Let - HomeOwners Alliance
What do you need to watch out for and how do you make sure you get the best deal when it comes to remortgaging a buy to let property?| HomeOwners Alliance
Helping Hand Mortgage Boost For First Time Buyers - HomeOwners Alliance
More first time buyers can now borrow up to 6x their salary with Nationwide's Helping Hand mortgage. Could you use it to buy your first house?| HomeOwners Alliance
Tracker Mortgages Explained - HomeOwners Alliance
Could a tracker mortgage save you £££s? Read on for the pros and cons & the best tracker mortgage rates. Compare tracker mortgage rates now| HomeOwners Alliance
Standard Variable Rates | Mortgage
On a standard variable rate mortgage (SVR)? You could be paying £1,000s more each year than if you switch to a new deal. Save on your mortgage today.| HomeOwners Alliance
UK Housing Concerns: Trend 2015 - 2025
We've been tracking UK housing concerns for the last 10 years and here are the fastest rising and most important issues| HomeOwners Alliance
UK House Renovation Costs In 2025 - HomeOwners Alliance
Typical house renovation costs for popular improvements. Useful guide if you are buying a fixer-upper or undertaking renovations on your home.| HomeOwners Alliance
Energy Grants In 2025 And How To Get Them
Energy grants can be used to pay for energy efficiency improvements to your home and to help with your bills. We look at what's available| HomeOwners Alliance
The Delayed Start Mortgage - What's The Catch? - HomeOwners Alliance
The Delayed start mortgage allows first time buyers put off their first three mortgage payments, but what’s the catch? We take a look.| HomeOwners Alliance
Trump’s Tariffs Continue To Lower UK Mortgage Rates - HomeOwners Alliance
Trump’s trade war is causing economic turmoil but the silver lining in the UK is that it's leading to lower mortgage rates. Here’s what's happening...| HomeOwners Alliance
100% Mortgages - Should I Get One? - HomeOwners Alliance
New 100% mortgages have been launched to help you buy a house without a deposit. We look at the pros & cons of 100% mortgages.| HomeOwners Alliance
Best Mortgage Rates - July 2025 HomeOwners Alliance
As lenders compete to trim mortgage rates, we look at the latest news on the best mortgage rates in the UK & what this means for you.| HomeOwners Alliance
Mortgage Rate Predictions 2025: Are Mortgage Rates Going Down? - HomeOwners Alliance
Lenders are competing to cut mortgage rates, but how low could they go? We look at mortgage rate predictions & what to do next with your mortgage.| HomeOwners Alliance
Mortgage Rate Expectations: 1 In 3 Brits Expect Them To Rise
A national poll of UK mortgage rate expectations in April 2025 shows 1 in 3 UK adults expect mortgage rates to rise over the next 12 months. See the findings.| HomeOwners Alliance
What Is Shared Ownership? Is It Worth It?
What is shared ownership? How does shared ownership work? What are the pros and cons of shared ownership? We look at all the pitfalls to avoid.| HomeOwners Alliance
Buying A Listed House: Key Elements To Consider - HOA
Thinking of buying a listed house? Protected status can make owning one more complicated. Here are the key elements to consider before you buy.| HomeOwners Alliance
How First Time Buyers Can Avoid £££ In Stamp Duty Changes
Stamp duty changes coming into force in April 2025 mean all buyers could face higher stamp duty bills, with first time buyers hardest hit.| HomeOwners Alliance
6x Salary Mortgage Boost For First Time Buyers - HomeOwners Alliance
Can you buy your home with a 6x salary mortgage? We look at how you qualify for these mortgages and how much they'll cost| HomeOwners Alliance
Rent To Buy Scheme: How Does It Work? - HomeOwners Alliance
Find out more about the government's Rent To Buy scheme, find out if you're eligible and how to apply with our helpful guide.| HomeOwners Alliance
Mortgage Guarantee Scheme 95% Mortgages: Is It Your Best Bet?
A new permanent Mortgage Guarantee has been launched to help borrowers get 5% deposit mortgages. We explain how it works & how to get one.| HomeOwners Alliance
Exchange Of Contracts Explained - HomeOwners Alliance
The exchange of contracts legally commits you to buying a property. Here's what happens at exchange in the conveyancing process and beyond up to completion.| HomeOwners Alliance
First Homes Scheme - HomeOwners Alliance
Here's everything you need to know about the government's First Homes scheme, giving first time buyers 30% off new homes.| HomeOwners Alliance
Bank Of Mum And Dad - Help Your Child Buy A Home - HOA
Homebuyers are increasingly turning to the Bank of Mum and Dad for help. Here's how you can help your children buy their first home.| HomeOwners Alliance
30 Year Mortgages Explained - HomeOwners Alliance
A 30 year mortgage is a home loan which you repay over three decades. The 30 years refers to the mortgage term. It is the total time you will borrow the money| HomeOwners Alliance
Mortgage Valuations Explained - HomeOwners Alliance
You’ll need a mortgage valuation when applying for a mortgage but what are they, how much do mortgage valuations cost and what can go wrong?| HomeOwners Alliance