grabbing leaves out of the roof gutter

Get your home ready for winter

Your home can take a bit of a battering in the British winter, but here’s how to make sure your home is ready for when the winter sets in.

A young boy watering a garden.

Make your outside space an asset

Whether you’ve got a garden, a balcony, or a window box, here’s how you can add serious appeal – and even value – to your outside space.


What's an agreement in principle?

What's a mortgage agreement in principle? An agreement in principle helps you find out whether you can get a mortgage. It is when lenders give you an idea of what they can lend you based on your circumstances. 


What effect does the base rate have on mortgages?

What's the base rate? The base rate is set by the Back of England as a guide for lending. Banks can set their own interest rates for loans and mortgages by adding to the base rate


First time buyers' toolkit

Purchasing your first property can be tricky – make your life easier by using these handy tools.


House viewing tips and tricks

Overwhelmed when looking for a new home? Our handy house viewing guide will give you a helping hand.


What is leasehold?

What is leasehold? With a leasehold you lease your property and the land it is built on. Most leases come with an annual charge called ground rent that is paid to the owner of the land.


What's an offset mortgage?

What is an offset mortgage? An offset mortgage is linked to your savings account so you pay less interest on the amount you borrow. 

piggy bank.

Save the pennies, count the pounds

Who doesn’t want to save cash without having to make any drastic cutbacks? Try these easy hacks to help slash your spending without any hassle.


Could you skip a starter home

Skipping a rung of the property ladder could help save you cash. Halifax have a few questions to help you decide if a starter home is the best move for you.


6 things to consider before buying a renovation property

Taking on a property that needs a lot of work doing to it can be a shrewd investment – as long as you weigh up the pros and cons first.


What's a repayment mortgage?

What's a repayment mortgage? A repayment mortgage is simple, it means you pay off what you borrowed, as well as the interest. So with every monthly payment your mortgage gets smaller and should be cleared by the end of the term.


Dream home checklist

When dreaming of the perfect house, it's easy to overlook practical things. Halifax look at the home comforts that are worth including on your checklist.


What is freehold?

What is freehold? Freehold is when you own the property and the land it stands on.


What's a tracker mortgage?

What is a tracker mortgage? A tracker mortgage is a variable rate mortgage. Your monthly repayments could vary depending on the base rate.


Renting versus owning

It’s not as hard as you think to get on the property ladder – and for many people it is a life-changing experience. Are you ready?

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A sink being cleaned.

A big clean could save you cash

Checking your home for potential problems while you’re dusting away the cobwebs could save you money in the long run. Here’s what to look out for.

yellow wall with white radiator.

10 ways to improve the energy efficiency of your home

Fancy saving a few quid on your heating bills? You’ll be surprised how simple it could be.


What's an interest only mortgage?

What is an interest only mortgage? An interest only mortgage is a mortgage where your monthly payments only pay off the mortgage interest, not the amount you borrowed itself.


What is loan to value?

Loan to value is the percentage of borrowing you take out against your home.


What is mortgage equity?

What is mortgage equity? Mortgage equity is the difference between what you owe on your mortgage and the current value of your property.


Moving VS improving

To help you choose between doing up and selling up we’ve taken a look at the good, the bad and the ugly of both options.


What types of mortgages are there?

What types of mortgages are there? The two most popular mortgage types are fixed rate and tracker mortgages.