Our editorial policy
Every Mortgage Owl guide aims to be accurate, up to date and easy to understand. This page explains how we research, write and maintain our content.
Our standards at a glance
Who writes our guides
Our guides are written by Steve, founder of Mortgage Owl, who is training to become a mortgage adviser and is currently studying CeMAP Module 1.
How we research
We check facts, figures and rules against official and authoritative UK sources, for example:
How we write
Keeping guides up to date
Guides
Mortgage rules, rates and schemes change. Each guide shows the date it was last updated.
We review our guides at least once every 12 months, and sooner when something important changes, such as a Bank Rate decision or a Budget announcement.
News bulletins
Mortgage News bulletins describe things as they stand on the date shown.
We update a bulletin when something important changes, and say so at the top.
Corrections
If you spot something wrong or out of date, please tell us through our Ask a Question page. We'll check it, correct it promptly and update the "Last updated" date.
Independence and how we're funded
Our content is not paid for or written by lenders. Our guides, calculators and reminders are free, and 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 influences what we write or which options we explain.
Not personal advice
Our articles and guides are general educational information only. They are not regulated financial advice and do 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.
