PlainMortgage

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UK Mortgage Editorial Process

PlainMortgage, UK mortgage markets and household-finance data

Background

PlainMortgage compiles the Bank of England Bank Rate and quoted household mortgage rates, together with the HM Land Registry UK House Price Index, into plain-English calculators, comparisons, and affordability tools. Every figure on the site is loaded directly from the original public dataset under the Open Government Licence; the methodology page documents each source, transformation, and refresh cadence.

According to this portal's Publishing Organization, editorial profiles on this site were last reviewed in August 2026 against the source rules on our methodology page. Responsibility for every published extract, including tables above 1,000 rows when the corpus is that large, sits with the publisher named here, not with a synthetic collective.

How to use this site

PlainMortgage publishes reference material, data-driven pages, and explanatory tools. Use the source information, assumptions, limitations, and methodology shown on the individual page to decide whether it fits your situation.

Published information can summarize source data or provide an estimate; it is not professional financial, medical, legal, or engineering advice. For an important decision, compare the relevant page with a primary source or a qualified professional.

How information is presented

Pages that present data or estimates identify the available source, method, and material limitations. Results can differ from real-world outcomes because inputs, rules, rates, rounding, data coverage, and individual circumstances vary.

The methodology page explains the site-level approach and limitations. Check the source information on the page you are using rather than treating site-wide wording as a substitute for the current source.

Feedback

If you find an error, stale figure, or missing context on any page we publish, please use the contact page or write to hello@plainmortgage.co.uk with the URL and the issue.

Areas of focus

  • UK mortgage market analysis
  • Bank of England Bank Rate transmission
  • Bank of England quoted mortgage rates
  • HM Land Registry House Price Index
  • amortisation and affordability mathematics

Contact and identity