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Stuck on something in one of our guides, a mortgage term you don't understand, or how our calculators and reminders work? Send us a message and we'll get back to you.

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Please note: We can explain how mortgages work and point you to useful guides and official sources, but we can't recommend a particular mortgage, lender or deal, or arrange a mortgage for you. For a personal recommendation, speak to an FCA-authorised mortgage adviser. You can check one on the FCA Register.

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How we can help

Clear answers, in plain English

We're here to help you understand mortgages, so you can make your own decisions with confidence.

Explaining how things work

Jargon, the steps in buying or remortgaging, how fixed, tracker and variable rates differ, and what lenders generally look at.

Using our tools

Help with the calculators, understanding your results, or changing or cancelling a fixed-rate reminder.

Pointing you to the right place

Our guides, official sources such as GOV.UK, MoneyHelper and the FCA, and free, impartial help if you're worried about your payments.

Common questions

Can you tell me which mortgage I should get?

No. Steve is training as a mortgage adviser and Mortgage Owl doesn't recommend particular mortgages, lenders or deals. For a personal recommendation, speak to an FCA-authorised mortgage adviser. You can check an adviser is authorised on the FCA Register.

Is there a charge for asking a question?

No. Asking us a question is free, and there's no obligation to do anything afterwards.

What if I'm worried about paying my mortgage?

Contact your lender as soon as possible, as lenders have options to help. You can also get free, impartial debt advice through MoneyHelper.

What do you do with my details?

We use them to reply to your question and, only if you tick the box, to send you The Owl's Nest newsletter. We don't pass them to anyone else. See our Privacy Policy for full details, including how to ask us to delete them.

Who's behind Mortgage Owl

Hi, I'm Steve. After 15 years in the police and 15 in the merchant navy, I'm training as a mortgage adviser. Mortgage Owl gives clear, plain-English mortgage guidance, checked against official sources.

More about Steve → Our editorial policy →

Mortgage Owl provides general educational information only, not regulated financial advice. We don't arrange or advise on mortgages. Your home may be repossessed if you do not keep up repayments on your mortgage.