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This is when you already have a mortgage for your property and you switch to a new deal, often with a new lender. Remortgaging could help you save money by getting a lower interest rate and better terms.

As a first-time buyer, you may have a smaller cash deposit to put towards your purchase. You might also want to do more research into the different types of loans, including fixed and tracker rates, to see which is the best type for your needs.

A buy-to-let mortgage is designed specifically for people looking to purchase property as an investment, rather than as somewhere to live. If you’re buying a house or flat and intend to rent it out to tenants, you need a buy-to-let mortgage.

You have a number of options with your mortgage when moving home. If you have an existing fixed-term deal, you may be able to port (move) it to a new property. If not, you will need to pay an exit fee. If your term has ended or you have a variable rate deal, then you can apply for a new mortgage on your new home.

Fixed-rate mortgages have an interest rate that stays the same for a set period. It means repayments are the same every month, so you’re protected from any rise in interest rates. Mortgage deals are typically on a two-year or five-year fix, though some lenders offer ten-year fixed rate deals.

A tracker mortgage will usually charge you an interest rate that follows the Bank of England base rate. However, it generally tracks a few percentage points higher. The base rate is the interest rate at which high street banks borrow money. As it goes up and down, your monthly repayments will rise and fall too.

A standard variable rate (SVR) is an interest rate set by your lender, usually a few percentage points above the Bank of England base rate. If you are on an SVR mortgage, you’re probably paying more than you need. Switching to a fixed- or tracker-rate deal can usually save you money and there shouldn’t be an early repayment charge.

A discounted variable-rate mortgage is similar to a tracker mortgage. But rather than being linked to the Bank of England base rate, it’s linked to your lender’s standard variable rate (SVR). A discounted variable-rate mortgage will be set at a fixed percentage below your lender’s SVR. The SVR can change at your lender’s discretion and your monthly repayments will go up and down as a result.

An interest-only mortgage allows you to pay just the interest charged on the loan each month. You don’t have to repay the amount you’ve borrowed, which is sometimes known as the ‘capital’, until the end of the term. This means your monthly payments will be less than on a repayment mortgage. However, you must make provisions to repay the original loan.

An offset mortgage lets you use your savings against the amount you owe on your mortgage, reducing how much interest you pay. The value of your savings is deducted from your outstanding mortgage balance, so you pay interest on the remainder. Offsets work well if you pay more in mortgage interest than you earn in a savings account.