Plain-English guides.
Written by the A&L team, not a copywriter. Every guide comes from questions we get asked on the phone at least twice a week.
the journal
Mortgages
How much do I need to earn to get a £250k mortgage in 2026?
Affordability multiples, deposit sizes, and what lenders actually look at before they say yes.
Protection
Life cover vs mortgage protection: which one do you actually need?
The two get confused constantly. Here is the plain difference and a small decision tree.
Remortgage
Remortgaging in a high-rate environment: three moves that still work
The offset trick, the two-year rebound, and when a five-year fix still makes sense.
Mortgages
The self-employed mortgage guide: how much can you really borrow?
Why one lender offers you £180,000 and another £280,000 on exactly the same accounts.
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