Know UK Loan explains how borrowing works in the UK, from a first mortgage to personal loans and buy-to-let, in plain English. Our aim is simple: help people understand the cost and the commitment before they sign anything.
What we write about
- Mortgages: rate types, affordability, deposits and what to do when a deal ends.
- Personal loans: APR, secured and unsecured borrowing, debt consolidation and your rights as a borrower.
- Buy-to-let: how landlord mortgages are assessed, stamp duty, tax on rental income and rental returns.
How we work
Our guides are built on primary sources: legislation, GOV.UK and HMRC guidance, and rules from the Financial Conduct Authority and the Bank of England. We use AI tools to help research and draft, and we check each figure against those sources before a guide is published. Where a rule has changed recently or is about to, we say so.
What we don’t do
We aren’t a lender or a broker, and we can’t arrange credit. We don’t give personal financial advice, and nobody pays us to feature their products. For advice on your own situation, speak to an FCA-authorised adviser, or use the free guidance from MoneyHelper.
You can read more about how we research our guides and how we’re funded.