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- Mortgage expert Kellie Steed
About the Author
Kellie is an experienced content writer who chose to specialise in mortgage content exclusively in 2020 due to a personal passion for the subject. She writes and edits a wide range of mortgage-related content and guides for Uswitch.com, as well as performing the role of spokesperson for Uswitch.com mortgages.
Her knowledge spans both residential and commercial mortgages, as well as associated financial products, such as equity release and mortgage protection insurance. She particularly enjoys researching and writing about niche lending criteria and practices and has been quoted in wide-ranging industry publications and major press outlets, such as Estate Agent Today and The Telegraph.
Expertise
Mortgages
Equity release
Mortgage protection insurances
Addiction treatment and recovery
Lifestyle
Chronic health and illness
Featured in News
Express - Comments on mortgage interest rate hikes Nov' 2022
Always Finance - 40 year mortgages May 2023
Express - Mortgage Commentary June 2023
UK Property Newsdesk - Base rate hikes August 2023
The Standard - Rate commentary September 2023
The Express - Skipton 100% mortgage October 2023
Yahoo Finance - Base rate commentary Nov 2023
Property Investor Today - Buy-to-let mortgages Nov 2023
Bloomberg - Autumn Statement Nov 2023
Telegraph - Base rate commentary Dec 2023
Birmingham Mail - Mortgage rate increase Dec 2023
What Mortgage - First-time buyers Jan 2024
Kellie's top mortgage tip
If you're preparing to apply for a mortgage, the main things lenders look at are affordability, reliability and investment quality. Keep in mind repayments should be a long term consideration, as most new residential mortgage terms are 30 years+”Kellie Steed, Mortgage Content Writer
Kellie's articles and guides
Mortgage Rates | What Are The UK Mortgage Rates Today? October 2024
In this article, we break down what the current average mortgage rates are in the UK and explain what's happening in the mortgage market.
Halifax Mortgage Rates & Deals UK 2024
Halifax is a popular choice for mortgages because it offers competitive rates and unique deals. Find out if Halifax is the best mortgage lender for you.
Bank Of England Base Rate - Current, Predictions & Next Review 2024
The base rate is the UK interest rate set by the Bank of England. A change in the base rate may affect your mortgage rate.
UK House Price Statistics 2024 - Averages, Predictions & Index
Click here for the latest UK house price statistics for 2024, covering average UK house prices over time by region, property type and more
UK First-Time Buyer Statistics 2024
Click here for the latest first-time buyer statistics for 2024, including average first-time buyer statistics by age, region, property type, and more.
Mortgage News, Latest Mortgage Market News & Predictions UK 2024
See a round up of the top UK mortgage news - including changes to lender terms and interest rates, market updates and advice for first-time buyers, home movers, remortgages and buy-to-let investors
50+ UK rental market statistics 2024| Uswitch.com
Click here for the latest UK rental market statistics for 2024, including the average cost of private rent in the UK, demographic breakdowns, and more.
Residential Mortgage Guide 2024
Learn all about the largest and most common form of credit in the UK - a residential mortgage, helping millions of us buy homes.
Joint Mortgages & How They Work
Learn about joint mortgages, which allow you to buy a home with someone else, and how to apply for one.
Capital Gains Tax Allowance For Property In 2024
Capital gains tax is a tax on the profit you make when selling or disposing of an asset. The tax is only charged on the profit, i.e. the gains.
Should I Pay Off My Mortgage Early?
Is paying your mortgage off early always a good thing? We explain your options and the pros and cons of repaying your mortgage before the end of the term
UK Mortgage Statistics 2024 - Facts and Stats Report | Uswitch.com
We’ve collated new and updated UK mortgage statistics for 2024, covering mortgage approvals, transactions, arrears, average mortgage debt, and more.
What Is The Maximum Age For A Mortgage In The UK?
Past 50 your mortgage options begin to change, but there are still plenty of options. Check out our guide to mortgages for older borrowers to find out more
Low Fee & Fee Free Mortgages
The mortgage mortgage arrangement fee, is the lender's charge for setting up a mortgage - we look at fee free or low fee mortgages and what to consider
How To Value A House & Get Your House Valued 2024
A house valuation will tell you about the property and how much it is worth. Our guide explains how to get a free house valuation.
Can I Get A No Credit Check Mortgage In 2024?
Your credit score will be looked at when you apply for any type of mortgage and have more stringent lending criteria to loans - Read the Uswitch Guide
Portfolio Mortgages UK 2024
Learn more about portfolio landlord mortgages and whether they may work for your buy-to-let properties.
What Is Negative Equity? Meaning & How To Avoid
Negative equity is when your property becomes worth less than the remaining value of your mortgage. Find out more about how to avoid it here.
Are Cashback Mortgages Worth It In 2024?
A cashback mortgage will give you a cash lump sum when you successfully apply for one, but do they always offer the best value for money overall? We look at the answer
How Much Money Do You Need To Buy A House In 2024?
Discover the costs that could arise when buying your first home and how you could make your money go further
How Long Does It Take To Get A Mortgage 2024?
The time it takes to get a mortgage will depend on a number of factors, find out more with our comprehensive guide.
Retirement Interest-Only Mortgages
Learn more about retirement interest-only mortgages, which may allow you to free up some cash for your retirement.
Rent to Buy Schemes In The UK 2024
What is Rent to Buy? Find out if the government’s Rent to Buy scheme is right for you, and how to find a home under the scheme
How To Become A Landlord In 2024
Investing in buy to let property can be profitable, but do you know all of the requirements of being a landlord and how to get started? Our guide will help
What Are The Different Types Of Mortgages?
There are lots of different types of mortgages - our guide explains them all to help you decide the right option for you.
No Deposit Mortgages Guide 2024
No deposit mortgages give you a 100% Loan to Value loan and are aimed at customers who do not have a deposit. We share whether these are still available and how to get one
Family Assist Mortgages
Could a family assisted mortgage help get you onto the property ladder sooner? We explore how they work, who can get one and which lenders offer them.
Mortgage Offers Explained | How Long Does A Mortgage Offer Last?
Read our guide to find out everything you need to know about mortgage offers, from how long they lost and how they differ from a mortgage in principle.
Buying vs Renting A House - Which Is Better In 2024?
In the long run buying a home is usually better value than renting. Despite the large upfront costs that come with paying a deposit, legal and mortgage fees
Moving House Checklist 2024 - Who To Notify
Moving home is among the most stressful things to do, but much of that stress can be mitigated by planning in advance. Our advice will help!