Award-Winning Bad Credit Specialist · FCA No. 301173

Mortgage Guides

Plain English guides on everything you need to know about mortgages — written by Darryl from 20+ years of experience in the industry.

📖 Mortgages Explained

New to mortgages? Start here — what a mortgage actually is, and the difference between fixed and variable rates, explained simply.

📊 Fixed vs Variable Rates

What's the difference between a fixed rate, tracker and SVR? See the full jargon glossary for a plain-English breakdown of each.

💳 Understanding Your Credit Score

What's on your credit file, how lenders use it, and what you can do to improve your score before applying for a mortgage.

🏠 The Complete FTB Guide

10 things every first-time buyer must know — from saving your deposit to getting the keys. Darryl's most popular guide.

📋 Stamp Duty Explained

How much stamp duty will you pay? Current thresholds, first-time buyer relief, and how to calculate what you owe.

🏢 BTL: Is Your Investment Safe?

Tax changes, rental yields, void periods — what every landlord needs to know before buying an investment property in 2026.

Calculators, rate watch, mortgage tracker, health score and glossary — all free

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No credit search. No obligation. Darryl personally reviews every enquiry and responds within 2 hours.

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Lender criteria, rates and deposit requirements quoted on this page are indicative and subject to change without notice. Individual circumstances vary. This page provides general information only and does not constitute regulated financial advice. The Mortgage Geezer is a trading style of Access Financial Services Ltd who are authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 301173. Registered in England No. 04427489. Registered office address Access Financial Services Ltd, Unit 1 Furtho Court, Towcester Road, Old Stratford, Milton Keynes, MK19 6AN. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.