M&S Bank Mortgage Guides

Get comfy with buying, selling, mortgages and more

Your home may be repossessed if you do not keep up repayments on your mortgage

Mortgage basics

Jargon buster

The A-Z of mortgage terms and jargon.

Read Jargon buster guide

Mortgage FAQs

Looking for answers? Try our list of key frequently asked mortgage questions.

Read Mortgage FAQs guide

Buying vs renting

Unsure what route to take? Learn about the pros and cons of buying or renting.

Read Buying vs renting guide

What is a Decision in Principle?

Find out what it is and why it’s good to get one.

Read What is a decision in principle? guide

Mortgage process

First time buyer process guide

We guide you through what to expect when buying your first home.

Read First time buyer process guide guide

Home mover process guide

Help make your next move go smoothly with our quick and helpful guide.

Read Home mover process guide guide

Remortgage process guide

Here's what to think about when remortgaging.

Read Remortgage process guide guide

Understanding surveys

Surveys can help highlight any potential problems your new home may have, find out more here.

Read Understanding surveys guide

Making an offer in England, Wales and N. Ireland

Searching for a home in England, Wales or N. Ireland? Read about the process here.

Read Making an offer in England, Wales and N. Ireland guide

Making an offer in Scotland

Learn about how to make a property offer in Scotland.

Read Making an offer in Scotland guide

What happens on completion day

What to expect in the final stages of the home buying journey.

Read What happens on completion day guide

Mortgage and property types

About mortgage types

Find out about the types of mortgage offered by M&S Bank.

Read About mortgage types guide

Leasehold and freehold

Learn about the key differences between a leasehold and freehold property here.

Read Leasehold and Freehold guide

Benefits of a new build

Freshly built and ready to move in to, learn about new build homes here.

Read Benefits of a new build guide

Fees, rates and charges

What else to budget for

Deposit in place? Learn about some of the other costs involved with buying a home.

Read What else to budget for guide

About the Bank of England base rate

Understand how a change in base rate may affect your mortgage interest rate.

Read About the Bank of England base rate

Moving, buying and selling home guides

House hunting checklist

Asking the right questions and knowing what to look out for can go a long way in helping you find the right home.

Read House hunting checklist guide

Moving house checklist

Our handy checklist could help you prepare for your big move.

Read Moving house checklist guide

Decorating and renovating

Here are some easy interior ideas and need-to-know decorating tips.

Read Decorating and renovating guide

Selling your home

Ready for your next move? Learn about the different ways to sell your home here.

Read Selling your home guide

Buying at auction

Why and how to buy your next home from an auction house.

Read Buying at auction guide

Adding value to your home

Hints and tips that may increase the value of your home.

Read Adding value to your home guide

Choosing a location

What to consider when choosing the location of your next home.

Read Choosing a location guide

Buying through an estate agent

Using an estate agent could save you time, money and hassle.

Read Buying through an estate agent guide

Guide to property chains

How property chains could affect your home purchase.

Read Guide to property chains

Your home may be repossessed if you do not keep up repayments on your mortgage