Mortgages, explained in plain English
Mortgage Owl is a free guide for UK homeowners and buyers. We explain mortgages clearly, so you can understand your options and feel confident before you speak to an adviser.
Whether you're buying your first home, coming to the end of a fixed rate or wondering whether to remortgage, we're here to take the confusion out of it.
Mortgage Owl at a glance
Why we started
Mortgages are one of the biggest financial commitments most people ever make. Yet the language is full of jargon, and it's easy to miss a deadline that costs you money, like the end of a fixed-rate deal.
Mortgage Owl was founded by Steve, who is training as a mortgage adviser. He built it to be the straightforward, friendly guide he'd want for his own family.
What you'll find here
Plain-English guides
Buying a home, managing your mortgage, mortgage basics, and protection and insurance.
Browse the guides →Free calculators
Work out the numbers, from monthly repayments to what a new rate could cost.
Try the calculator →Fixed-rate reminder
We'll email you 6, 3 and 1 month before your deal ends, so the date doesn't sneak up on you.
Set one up →Ask a question
Send us a general mortgage question and we'll reply by email in plain English.
Ask a question →What we believe
Clear, not clever
No jargon without an explanation.
Helpful, not pushy
You'll never be pushed to sign up for anything.
Accurate and up to date
We check our guides against official UK sources and review them regularly. See our Editorial Policy.
How Mortgage Owl is funded
Our guides, calculators and reminders are free. Mortgage Owl doesn't currently receive any payment from lenders or advisers.
If that changes, for example if we introduce you to an FCA-authorised adviser with your permission, we'll tell you first, including any payment we'd receive. If a page ever includes affiliate links, we'll label them clearly. This never changes what we write.
Important information
Mortgage Owl provides general educational information only. It is not regulated financial advice and does not take your personal circumstances into account. Mortgage Owl is not authorised by the Financial Conduct Authority and doesn't recommend or arrange mortgages.
Always speak to a qualified mortgage adviser before making a decision. You can check an adviser is authorised on the FCA Register.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Hi, I'm Steve. After 15 years in the police and 15 in the merchant navy, I'm training as a mortgage adviser. Every guide is written in plain English and checked against official sources.
