When you're buying a property in the UK, one of the most important financial decisions you'll make is choosing the right mortgage. Among the various types available, fixed-rate and variable-rate mortgages are the most common. Understanding the differences between them can help you select the best option for your situation.

Should you haggle with the agent over their fees? Is it true that if they can't negotiate well with you, they won't be any good when you get an offer? Or does it start the relationship off on the back foot?

While it’s easy to focus on the headline price of the property, there are many hidden costs involved in the buying process that can catch you off guard if you're not prepared. Here, we break down these costs and offer tips on how to budget for them effectively.

Do you really need a mortgage broker to guide you through it? Let's explore the benefits and considerations, helping you make an informed decision for your property journey.