MORTGAGE GUIDES
Whether you’re buying your first home, moving, remortgaging or considering different ways to borrow, explore our mortgage guides or find an adviser to discuss your circumstances.
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Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage needs can vary depending on where you are in your property journey. Start with the area most relevant to your circumstances.
Buy your first home
Explore the mortgage process, deposits and some of the key steps involved when buying your first property.
Explore first-time buyer mortgages →
Move home
Explore mortgage considerations when selling your existing property and buying another home.
Explore moving home →
Remortgage
Understand some of the options when reviewing or replacing the mortgage on your existing property.
Explore remortgaging →
Understand how much you could borrow
Learn about some of the factors lenders may consider when assessing how much mortgage borrowing may be available.
Explore mortgage borrowing →
Explore different mortgage types
Understand some of the different ways mortgage borrowing can be structured and how products may differ.
Explore mortgage types →
Get help with a mortgage problem
Explore information about mortgage applications, arrears and other issues that can arise when arranging or managing a mortgage.
Explore mortgage problems →
The exact process can vary depending on your circumstances, lender and property, but a mortgage application will usually involve several stages.
01
Understand your position
Consider your deposit or available equity, income, existing commitments and the amount you may need to borrow.
02
Explore your mortgage options
Different lenders and mortgage products can have different eligibility, affordability, interest-rate and repayment criteria.
03
Prepare to apply
A lender may require information about your income, spending, credit history and the property being purchased or remortgaged.
04
Mortgage application and assessment
The lender considers the application and will normally arrange or require a valuation of the property before deciding whether to make a mortgage offer.
05
Mortgage offer and completion
If the application is approved, the lender issues a mortgage offer. The remaining legal and transaction stages can then take place before the mortgage completes.
Browse the key stages, options and circumstances that can shape a mortgage decision.
Getting a mortgage
Understand the application process, affordability and information a lender may consider.
How to get a mortgage →
Mortgage affordability →
Mortgage agreement in principle →
Mortgage proof of income →
Mortgage bank statements →
Mortgage credit checks →
Mortgage underwriting →
Explore getting a mortgage →
Buying a home
Guides to deposits, valuations and the stages between finding a property and completing your purchase.
First-time buyer mortgages →
Mortgage deposits and loan-to-value →
Gifted deposits →
Mortgage deposit sources →
Mortgage valuations and surveys →
Exchange of contracts →
Mortgage funds release →
Mortgage completion →
Explore buying a home →
Mortgage types and circumstances
Explore different mortgage arrangements and borrowing circumstances.
Fixed vs variable mortgages →
Interest-only mortgages →
Joint mortgages →
Self-employed mortgages →
Guarantor mortgages and family support →
Buy-to-let mortgages →
Limited company buy-to-let mortgages →
Explore mortgage types →
Moving home and remortgaging
Understand your mortgage options when moving property or reviewing your existing borrowing.
Moving home mortgages →
Remortgaging →
Porting a mortgage →
Mortgage early repayment charges →
Mortgage offer expiry →
Explore moving and remortgaging →
Managing your mortgage
Guides to changing or managing an existing mortgage.
Explore managing your mortgage →
When things don’t go to plan
Understand some of the issues that can arise during an application or while managing a mortgage.
Mortgage application declined →
Bad credit mortgages →
Mortgage offer expiry →
Mortgage arrears →
Guarantor mortgages and family support →
Explore mortgage problems and questions →
MORTGAGE ADVICE
MortgageAdvice.co.uk can connect you with a selected mortgage adviser who can discuss your circumstances and mortgage requirements.
Find a mortgage adviser
No obligation to proceed.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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