Every organisation on this page is a public body, a regulator or a charity. None of them sells mortgages, compares deals or earns commission, and FreedomSooner earns nothing from these links.
Free, impartial guidance
- MoneyHelper: HomesFree guidance on mortgages and buying a home from MoneyHelper, the government-backed guidance service.
- MoneyHelper: Remortgaging to get the best dealYour options when a mortgage deal is about to end.
Check who you're dealing with
- FCA Financial Services RegisterBefore you use a lender, broker or adviser, check that the Financial Conduct Authority has authorised them.
- FCA: Protect yourself from scamsIf someone contacts you out of the blue about your mortgage or savings, read the FCA's warning signs before you reply.
Interest rates
- Bank of England: Bank RateThe Bank of England sets Bank Rate, which tracker and many variable mortgage rates follow. This page shows its latest decision.
If you're struggling with payments
Speak to your lender first, and early. Lenders can often agree to lower payments for a while or change your mortgage, and they have more options before you fall far behind. These free services can help you prepare or step in:
- MoneyHelper: Money troublesGuidance on dealing with debt and finding free debt advice near you.
- Citizens Advice: Mortgage problemsAdvice for England and Wales on falling behind with mortgage payments.
- Citizens Advice ScotlandFree advice if you live in Scotland.
- Advice NIFree, independent advice if you live in Northern Ireland.
- StepChangeA debt charity that gives free advice and can set up a plan to repay what you owe.
- National DebtlineFree debt advice from a charity, by phone and online.
- Shelter: Mortgage arrears and repossessionHousing advice in England if you've fallen behind or your lender has started repossession.
- Shelter ScotlandHousing advice if you live in Scotland.
- Housing RightsHousing advice if you live in Northern Ireland.
- GOV.UK: Support for Mortgage InterestA government loan towards your mortgage interest if you get certain benefits. You repay it, with interest, when you sell or transfer your home.
If you need to complain
- Financial Ombudsman ServiceIf your lender or adviser hasn't resolved your complaint, the Ombudsman can look at it for free.
Savings and tax
- GOV.UK: Tax on savings interestHow much savings interest you can earn before you pay tax on it.
- GOV.UK: Individual Savings Accounts (ISAs)How ISAs work and how much you can put in each year.
- Financial Services Compensation Scheme (FSCS)How the FSCS protects your savings if a bank or building society fails.
Property records
- HM Land RegistrySearch title records for land and property in England and Wales.
- Registers of ScotlandLand and property records in Scotland.
- Land & Property ServicesLand and property records in Northern Ireland.
Links last checked October 2026. If one no longer works, please email hello@freedomsooner.co.uk.