Knowledge Centre

    Guides, insights, and market updates from the HLC team — everything you need to make confident financial decisions.

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    Showing 3745 of 88 articles

    Will a Mortgage Advisor or Broker Save Me Money?
    General Advice5 min read

    Will a Mortgage Advisor or Broker Save Me Money?

    Spoiler: yes – and here’s how. When it comes to getting a mortgage, there are two routes: you can go it alone and try to figure it all out yourself… or you can work with a mortgage advisor or broker to guide you through

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    Should I Consider Critical Illness Cover with My Mortgage?
    Protection5 min read

    Should I Consider Critical Illness Cover with My Mortgage?

    It’s not just about protecting your home — it’s about protecting your future. When you’re applying for a mortgage, there’s a lot to think about — interest rates, deposits, monthly payments… and then someone brings up cr

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    The Benefits of Owning vs. Renting Long-Term
    General Advice4 min read

    The Benefits of Owning vs. Renting Long-Term

    Is it time to make the move from tenant to homeowner? If you’ve ever found yourself debating whether it’s better to rent or buy a home, you’re not alone. It’s one of the most common questions we hear – and it’s a big de

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    10 Do’s and Don’ts of Applying for a Mortgage
    General Advice6 min read

    10 Do’s and Don’ts of Applying for a Mortgage

    What to do (and what to avoid) to give your application the best chance of success. Applying for a mortgage can feel like navigating a maze – full of forms, financial jargon, and fine print. But with the right prep (and

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    How to Choose the Right Lender for Your Needs
    General Advice5 min read

    How to Choose the Right Lender for Your Needs

    Because it’s not just about the lowest rate – it’s about what works best for you. Choosing a mortgage lender might sound like the sort of job you can tick off in an afternoon. Scroll a few comparison sites, click on the

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    Life Insurance & Mortgages: Why They Go Hand in Hand
    Protection5 min read

    Life Insurance & Mortgages: Why They Go Hand in Hand

    Buying a home is one of the biggest financial commitments you’ll ever make. But what happens to that commitment if something unexpected occurs? Life insurance and mortgages go hand in hand, ensuring that your loved one

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    Can I Get a Mortgage on a Listed Building?
    General Advice5 min read

    Can I Get a Mortgage on a Listed Building?

    For many, owning a listed building is a dream—a chance to live in a home with history, charm, and architectural beauty. But if you're considering purchasing one, you may be wondering: Can I get a mortgage on a listed bui

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    The Pros & Cons of Becoming a Landlord in 2025
    Buy to Let5 min read

    The Pros & Cons of Becoming a Landlord in 2025

    With the ever-evolving UK property market and new government regulations shaping the landscape, many investors are questioning whether becoming a landlord in 2025 is still a viable and profitable venture. While buy-to-

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    Can I Switch My Mortgage to Save Money?
    Remortgaging4 min read

    Can I Switch My Mortgage to Save Money?

    Your mortgage is likely your biggest financial commitment, but that doesn’t mean you have to be stuck with the same deal forever. Many homeowners could be paying more than they need to by staying on their lender’s standa

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