Nisha Vaidya

Nisha VaidyaContent Editor

Nisha is the lead content editor on Bankrate UK and oversees the creation of all of its personal finance content. She is passionate about all things related to mortgages and homeownership and wants to create handy guides, tools and product experiences to empower first time buyers and home movers alike to make the right decisions for them.

She is also the mortgages spokesperson for Bankrate, staying up-to-date with the housing market.

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Accidental Damage Home Insurance

Accidental damage cover can help cover the cost of repairs should any mishaps accidentally damage your property. Find out more with our complete guide.

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Tracker Mortgage | What is a Tracker Mortgage?

This guide explains how tracker mortgages work, the pros and cons of choosing one, and how to decide whether they are the right option for you.

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Home reversion plans explained

This guide explains all you need to know about how home reversion plans work, the pros and cons of using such a scheme and whether it’s the right choice for you.

Couple sorting out their finances

Lifetime Mortgages Explained | What is a Lifetime Mortgage

This guide takes a closer look at how lifetime mortgages work, the different options available, and the pros and cons of applying for a lifetime mortgage.

Picture of plot of land used for house building

Land mortgages: all you need to know

Getting a mortgage to buy land is a very different process to buying a residential property. This guide explains how to apply for a land mortgage – whether that’s an agricultural mortgage or self-build mortgage – the potential costs involved, and how you can improve your chances of getting accepted.

Older couple socialising on dining table

What is an endowment mortgage?

An endowment mortgage is a type of interest-only mortgage that's part investment and part insurance policy that was popular in the 80s and 90s. We look at how they work and what you can do if your endowment policy has left you with a capital shortfall to pay off your mortgage debt.

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HMO Mortgages

A House in Multiple Occupation (HMO) mortgage is a loan related to a property that is occupied by multiple residents/tenants. Find out if this style of mortgage could work for you.

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What is a Joint Borrower Sole Proprietor mortgage?

Often referred to as a JBSP mortgage, a joint borrower sole proprietor mortgage allows a parent (or family member) to contribute to their son or daughter’s mortgage without being a co-owner. We explain how they work.


Applying for a Mortgage | How to Apply for a Mortgage

Applying for a mortgage is not always straightforward. We guide you through the process and explain how you can increase your chance of being accepted.

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Cashback mortgages

A cash back mortgage is when a mortgage lender offers you a one-off lump sum payment as a home buyer. We explain how the arrangemet works.

A couple picking up the keys to their new property

Joint tenants or tenants in common?

If you buy a property with someone else, you’ll need to decide how you want to own the property together - as joint tennants or tennants in common. We explain how the two different types of property ownership work.

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Second home mortgages

If you want to buy a property in addition to the one you live in, you may need to take out a second home mortgage. We explain how second home mortgages work and what you need to be aware of before you apply for one.