Mortgages

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Mortgages - Free mortgage quote

How we find you the cheapest mortgage:

  • We review your personal situation and match it with a mortgage broker that provides that type of mortgage.
  • A mortgage broker will talk to you to fully understand your mortgage requirements.
  • Depending on the selected mortgage provider you can compare entire UK market that's over 8500 mortgages!

Apply for a free mortgage quote

100% Mortgage

No deposit? No problem. 100% mortgages are widely available.

Most mortgages don't cover the entire value of the property, which means you'll have to shell out a few thousand pounds yourself. If you can't afford that or don't want to do it, a 100% mortgage could be the answer although you'll still have to pay some money up front.

Apply for a free 100 mortgage quote

125% Mortgage

Borrow more than your property is worth

Sometimes a 100% mortgage isn't enough especially if you're trapped in negative equity, you're trying to start a new business or your new home needs a lot of work. Lenders realise this, and it's possible to get a 125% mortgage or even a 130% mortgage to help you find your feet.

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Adverse Credit Mortgage

Why no credit history is different from a bad credit history

Don't assume that, if you can't prove your income or don't have a credit history, you need to apply for an adverse credit mortgage. There's a big difference between no credit history and a bad credit history and plenty of lenders offer non-status mortgages.

Apply for a free adverse credit mortgage quote

Bad Credit Mortgage

How to get a mortgage when your credit rating's rubbish

Lenders don't like risk, but that doesn't mean there's no such thing as a bad credit mortgage. Specialist lenders will happily lend money to people with bad credit ratings or even CCJs, although in most cases you'll pay more for your mortgage than someone with a good credit history.

Apply for a free bad credit mortgage quote

Best Mortgage

Move your mortgage to get the best possible deals

You've shopped around to get the best mortgage, but that's not the end of the process: canny homeowners know that moving their mortgage when the market changes can save them an awful lot of money. Watch out for penalty clauses in your mortgage small print to avoid nasty surprises, though.

Apply for a free mortgage quote

Best Mortgage Deal

Tailor your mortgage to get the best possible deal

Most mortgages can be tweaked, and it's a good idea to weigh up the pros and cons of different products to get the best mortgage deal. Setup and admin fees differ from product to product, and you can dramatically reduce your payments by paying a deposit.

Apply for a free quote

Best Mortgage Rate

Even fixed rate mortgages change over time

When you're shopping for a mortgage it's worth remembering that even the best interest rate won't last forever. Variable rate and tracker mortgages follow the ups and downs of the Bank of England base rate, while fixed rate mortgages have a time limit after which rates can rise.

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Borrow Mortgage

What lenders will want to know before you can borrow

Before you can borrow money, mortgage lenders need to be sure that you can afford the mortgage repayments and that the property is worth what you intend to pay for it. Expect lots of questions about your income and expenses, including what you spend on big nights out.

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Business Mortgage

Things to think about when buying for business

Many brokers, specialist lenders and big-name banks will offer a business mortgage, usually for up to 75% of the value of the property. Mortgages are available for shops, factories, pubs and rural businesses, but many lenders exclude petrol stations due to the higher than average risk involved.

Apply for a free quote

Buy To Let Mortgage

Getting a mortgage for a property you want to rent

You can't use a normal mortgage for a buy to let property; for that, you'll need a dedicated buy to let mortgage. The good news is that more and more mainstream lenders are happy to lend money for buy to let properties, but don't count on a 100% mortgage.

Apply for a free buy to let mortgage quote

Cash Back Mortgage

Some deals aren't as good as they might seem

If you need help with moving fees or want to redecorate your new home, a cash back mortgage sounds ideal: in addition to paying for your home, the lender will also give you a wad of cash to spend as you see fit. However, you don't get something for nothing.

Apply for a free quote

Cashback Mortgage

Get even more money from your mortgage

A cashback mortgage can be a boon if you're buying a property that needs some work, or if you need to buy bits and bobs. However, there's no such thing as free cash so expect higher penalties if you move your mortgage. You might even have to pay the cashback back.

Apply for a free quote

CCJ Mortgage

A bad credit rating isn't the end of the world

A CCJ mortgage sounds like an impossible idea: who in their right mind will lend money to someone with a very bad credit record? The answer is: lots of people. Specialist mortgage lenders and brokers are happy to consider applications from people with CCJs against them, although rates can be steep.

Apply for a free CCJ mortgage quote

Cheap Mortgage

There's more to a cheap mortgage than a low interest rate

When you're looking for a cheap mortgage, interest rates are a handy indicator but they don't tell the full story. The APR (Annual Percentage Rate) is more accurate, because it includes the actual cost of credit such as arrangement fees and so on.

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Cheapest Mortgage

With so many mortgages to choose from, how do you find the cheapest?

What kind of mortgage are you looking for? The answer is probably: the cheapest mortgage. Finding a cheap mortgage is easy enough, but finding the cheapest one means a bit of digging. It helps if you've already got money in the bank, too: rates drop dramatically if you can stump up a decent deposit.

Apply for a free quote

Commercial Mortgage

How to get cash when you're buying a building for business

Whether you're planning to become a publican or buying a flat so you can rent rooms to students, you might find it difficult to get a normal mortgage from a high street lender. But don't despair: a large number of firms will happily arrange a commercial mortgage for you.

Apply for a free quote

Compare Mortgage

Don't just compare deals try different percentages too

If you don't compare mortgage deals, you're mad: even a slight difference in interest rates or fees can make a huge difference to your payments. It's also a good idea to compare mortgage deals for different amounts: the more of a deposit you can afford, the lower the interest rate.

Apply for a free quote

Council Mortgage Lender

Buying your council house could save you money but think carefully

Buying your council house could make sound financial sense, but there are things to think about. Before you approach a council mortgage lender, it's important to check that you qualify under the right to buy scheme some properties and tenants are exempt. Be wary of door-to-door sellers, too.

Apply for a free quote

Current Account Mortgage

Should you put all your eggs in one basket?

A current account mortgage combines your mortgage with your bank account, saving you stacks of cash on your mortgage payment. At least, that's the theory, but if you're not thrifty you might not save as much as you think and your savings won't pay interest.

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Current Mortgage Interest Rate

Rates can go down as well as up

If you're considering a variable rate or tracker rate mortgage, it's dangerous to assume that the current mortgage interest rate will stay roughly the same for the period of your loan. Interest rates can rise as well as fall, and even a slight increase could seriously affect your financial health.

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Current Mortgage Rate

Who decides the price of your repayments?

The current mortgage rate is often confused with the Bank of England base rate, but they're different things: the base rate is the interest rate at which banks and other institutions can borrow money, and the mortgage rate is the interest rate they charge you. Changes in one don't always affect the other.

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Debt Consolidation Mortgage

Get yourself out of financial trouble

It's all too easy to end up in masses of debt, especially if you use credit cards and store cards. A debt consolidation mortgage can help get you out of a financial black hole, but it's essential that you change the behaviour that got you into a mess in the first place.

Apply for a free debt consolidation mortgage quote

Discount Mortgage

Pay less for the first few years of your mortgage

If you want the lowest possible APR for a short time, at least then a discount mortgage is for you. Lenders offer a fixed discount on their normal interest rate for a period of two or three years, resulting in an APR that's up to 1% lower than other mortgages.

Apply for a free discount mortgage quote

Endowment Mortgage

Why are endowment mortgages so controversial?

An endowment mortgage sounds like a great deal: pay less money each month and let the stock market take care of the rest. However, as many unfortunate home owners have discovered, share prices can go down as well as up. Approach any endowment mortgage with caution.

Apply for a free quote

First Time Buyer Mortgage

How to take your first steps on the housing ladder

A first time buyer mortgage is designed to make it as easy and as inexpensive as possible for you to take your first steps on the housing ladder, and most lenders offer such products. Look for cashback deals, 100% mortgages and other goodies but don't ignore the APR stated.

Apply for a free first time buyer mortgage quote

Fixed Interest Rate Mortgage

Avoid nasty surprises for the next few years

A fixed rate mortgage is ideal for buyers who don't want nasty surprises should interest rates rise but you'll pay for the privilege. Fixed rate deals tend to have higher APRs than variable rate mortgages, and of course if interest rates fall then you might end up paying over the odds.

Apply for a free fixed rate mortgage quote

Fixed Rate Mortgage

Is this the right time to fix your mortgage interest rate?

Interest rates have been on a downward trend since the 1980s, and in recent years changes to the rates have been minor. However, if interest rates should rise then mortgage payments could skyrocket, so it might be worth considering a fixed interest rate mortgage to keep your payments predictable.

Apply for a free fixed rate mortgage quote

Flexible Mortgage

Pay more when you're flush and less when you're broke

Unlike a traditional mortgage, a flexible mortgage enables you to pay more when you're rolling with money and pay less when you're a bit short of cash. Many lenders will even let you take payment holidays, breaks of several months when you don't pay a penny towards your mortgage.

Apply for a free flexible mortgage quote

French Mortgage

Buying abroad? The system is different overseas

A French mortgage is quite different to a British mortgage. Loan terms are shorter, the maximum amount you can borrow is usually lower, and you don't benefit from the wide range of products that are available for UK purchases. You may also need help to deal with local authorities and estate agents.

Apply for a free quote

Graduate Mortgage

Saddled with debt from your student days? Lenders can help

After years of studying, you're probably broke so finding the money for a deposit can be difficult if not impossible. A graduate mortgage solves the problem. Lenders offer mortgages without a minimum deposit and in some cases will lend you more than the value of your property.

Apply for a free quote

Home Loan Mortgage

Don't let the jargon confuse you it's not as scary as it sounds

There are almost as many kinds of home loan mortgage as there are customers. You can get a mortgage to buy a new home or to refinance an existing one, to pay for home improvements or to start your own business. The jargon can be confusing but it's all pretty straightforward.

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Home Mortgage

What is the most common type of mortgage?

The most popular kind of mortgage for lenders and borrowers alike is a home mortgage. Lenders particularly like home mortgages because the borrower will live in the property and, hopefully, look after it which means the loan is lower risk than if the property is rented to others.

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Home Mortgage Calculator

Find out the total cost of moving house and get depressed

Most sites offer a home mortgage calculator, which you can use to work out how much you can afford to borrow. However, we go a step further by offering a range of calculators including one that works out the total cost of moving home.

Apply for a free quote

Home Mortgage Rate

Buying a new home? Lenders will love you. Here's why.

Lenders' home mortgage rate will be considerably cheaper than their business mortgage rate or the interest rate charged for riskier purchases such as buy to let properties or holiday homes. That's partly because of the size of the market and partly because home owners are a safer bet than businesses or would-be landlords.

Apply for a free quote

Independent Mortgage Advice

The logos to look for when you're considering an advisor

There are plenty of organisations that regulate financial firms, but it's important to know what they can and can't do. A firm offering independent mortgage advice that's regulated by the Financial Services Authority is irrelevant, because the FSA doesn't regulate mortgage advice. Look for the Mortgage Code instead.

Apply for a free quote

Interest Only Mortgage

How to keep your repayments as low as possible

The interest on a mortgage can be the same as the amount you actually borrow so repayments can be hefty. An interest only mortgage is a much cheaper way to pay, but it's important to note that your payments don't pay off the actual loan just the interest charged on it.

Apply for a free interest only mortgage quote

Landlord Mortgage

If you're renting your property, a normal mortgage isn't enough

Lenders like normal mortgages: the people buying the property will live in it, and it's not for commercial use. If you're planning to buy properties and rent them out you'll need a landlord mortgage instead. Resist the temptation to get a normal mortgage and lie about your intentions.

Apply for a free quote

London Mortgage

What if you don't have the capital to live in the Capital?

A London mortgage isn't the same as a mortgage for other parts of the UK: thanks to soaring house prices which are rising fast - borrowers need considerably more cash for even the cheapest home. Look for lenders with generous offers or consider teaming up with others in shared accommodation.

Apply for a free quote

Mortgage Advice

Is the bank the best place to get mortgage advice?

Most lenders will provide free mortgage advice but your bank isn't going to recommend a competitor's products, and if they don't provide the right mortgage for you they might well try to persuade you to pick a less suitable product instead. It pays to ask around.

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Mortgage Adviser

Who can you trust to give you unbiased advice?

When you deal with a mortgage adviser it's important to ask yourself, "who pays this person's wages?" If you don't, you might fall into the trap of assuming that because someone sounds like they know what they're talking about, they're telling you the whole story.

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Mortgage Advisor

Do you really need help to find the right mortgage?

Do you need a mortgage advisor? If you're looking for a standard mortgage, the answer is probably no: a bit of Web browsing can uncover stacks of different deals. However, if you need an unusual mortgage or if you have special requirements then an advisor can be a big help.

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Mortgage Borrow

Don't overstretch yourself: make sure you can meet the repayments

When you take out a mortgage borrow only what you can afford. It sounds like common sense but it's all to easy to fall in love with a property that you can't afford. It's a temptation you should resist, because if you can't pay your mortgage you could lose your ideal home.

Apply for a free quote

Mortgage Broker

Get someone else to find the right mortgage for you

A mortgage broker can help you find the best mortgage deal from a huge range of different lenders, saving you a great deal of time and uncovering offers you might not otherwise have spotted. A broker might also get special deals that aren't available to the general public.

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Mortgage Broker UK

Mortgage brokers are bigger than you think

When you say the phrase mortgage broker UK customers tend to think of a one-man firm, but brokers can be very big firms indeed. Many big-name lenders offer a range of mortgages from different companies, and some brokers are backed by reputable firms.

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Mortgage Calculation

When you're doing your sums, think beyond the mortgage

For most people the mortgage calculation is a simple one: here's the repayments, can you afford them? However, there are other things to think about too. There's stamp duty, council tax and all the costs of moving home, and that's before you start redecorating your new abode. Budget carefully!

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Mortgage Calculator

How much can you borrow? Can you afford the repayments?

Because your mortgage is secured on your property, it's important to make sure you can afford the repayments or you could end up losing your home. Use our mortgage calculator to work out whether you can buy the home of your dreams and whether you can afford it.

Apply for a free quote

Mortgage Calculator UK

Will a mortgage save you money?

Our mortgage and loan calculators make it easy to compare different options, and you can even discover whether a mortgage would be cheaper than continuing to pay the rent. With our mortgage calculators UK customers can look into remortgages or endowment mortgages, calculate stamp duty and explore other options.

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Mortgage Company

What's the difference between a bank and a mortgage company?

In much the same way that Dixon's sells PCs but isn't a PC retailer, many firms offer mortgages as just another service. Dealing with a dedicated mortgage company is often a better bet, because mortgages are their entire business and as a result, they could be more flexible.

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Mortgage Comparison

The small print you need to pay close attention to

Mortgage comparison is about more than just the interest rate. Check the small print carefully and compare everything from arrangement fees to early repayment penalties. If you look closely at the terms and conditions you may well find that the perfect mortgage isn't so perfect after all.

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Mortgage Comparison UK

Can't be bothered comparing rates? Go to a one-stop shop

To make an informed mortgage comparison UK customers should look at a wide range of products from a wide range of lenders which is time consuming and very, very boring. Why not go to a one stop shop instead? We enable you to compare hundreds of mortgages right here.

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Mortgage Deal

It ain't over 'till the bank manager signs

All that paperwork is just a maybe: you don't have a mortgage deal until the lender has received the surveyor's report and seen proof of your income. Without a formal letter of offer from the lender, your mortgage might not happen which is why you should start the process early.

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Mortgage Insurance

Because some risks aren't worth taking

Could you still pay off the mortgage if you or your partner was made redundant? If the answer is no, then mortgage insurance is absolutely essential. It means you'll pay a little more each month but the alternatives are too scary to contemplate: you could even lose your home.

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Mortgage Interest Rate

Interest rate? What interest rate?

The mortgage interest rate is based on the Bank of England base rate, but it doesn't follow it exactly. The rate you pay will depend on your lender's own interest rate and the type of mortgage you have, which means that cuts in the bank rate might not reduce your mortgage.

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Mortgage Lender

There's no shortage of people willing to give you money

There's no such thing as a typical lender: from banks and building societies to Internet operators and specialist lenders, all kinds of people can help finance your next property purchase. Choose the right lender and things will run smoothly; choose the wrong one and you could waste a lot of money.

Apply for a free quote

Mortgage Lenders

Facing CCJs, IVAs, Bad Credit and financial difficulty? Looking to remortgage your property? In need of a cheap mortgage? Don't worry, we are here help. View our extensive list of mortgage lenders.

Apply for a free quote

Mortgage Life Insurance

Lenders won't give you a mortgage without it

Most lenders will refuse to give you a mortgage unless you also take out mortgage life insurance. They're not just trying to sell you insurance, though: it's to protect the lender. If you don't have life insurance and you die halfway through your loan period, the lender hasn't got its money back.

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Mortgage Loan

Why a mortgage is very different from a normal loan

A mortgage loan isn't the same thing as a personal loan: it's secured on your property, so if you get into financial trouble you could end up losing your home. It's also a lot more complicated, because there are arrangement fees, valuation fees, sealing fees and other costs to consider.

Apply for a free quote

Mortgage Loan Calculator

Find out if your endowment will pay off your mortgage

If you've got an endowment mortgage, a mortgage loan calculator can help predict whether there will be enough cash in the policy to pay off your mortgage. It isn't simple, though, and you'll need to provide lots of information to get a meaningful answer from the calculator.

Mortgage Payment Calculator

Calculators are big help, but they don't tell the whole story

Most lenders' sites offer a mortgage payment calculator which makes it easy to work out how much you can borrow and how much the repayments are likely to be. However, such calculators are very basic and it's important to take other factors into consideration.

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Mortgage Payment Insurance

Redundancy isn't the only reason to consider insurance

Although most people think of mortgage payment insurance as protection against redundancy, there are other reasons why it's worth considering. In the event of an accident or serious illness you might be unable to work, and that means you won't be able to pay the mortgage possibly for a long period.

Apply for a free quote

Mortgage Payment Protection

Why you need it and what it costs

Don't expect the government to help with your repayments if you lose your job: if you've got even modest savings, you're on your own. Even if you do qualify, it can take months before you receive any benefit and things get even worse if you're self-employed or a contract worker.

Apply for a free quote

Mortgage Payment Protection Insurance

Can you still get cover if you don't have a regular job?

Insurance can be a minefield if you're self-employed or work on temporary contracts. While it's still possible to get mortgage payment protection insurance, it's important to look carefully at what's covered and whether there are any nasty surprises in the small print and what needs to happen before you qualify.

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Mortgage Protection

Read the small print carefully and ask the right questions

Mortgage protection also known as payment protection ensures that no matter what bad luck you encounter, you won't miss a mortgage payment. However, it's important to ask a lot of questions and read the small print carefully to make sure it covers every eventuality.

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Mortgage Protection Insurance

Ticking the box could be an expensive mistake

Many lenders offer mortgage protection insurance, but you might not be getting the best deal. Premiums and levels of cover vary dramatically between different insurers, and you don't have to go for your lender's own insurance package. It pays to shop around.

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Mortgage Provider

How does a mortgage provider make its lending decisions?

A mortgage provider bases its lending decisions on several key criteria: the value of the property, the risk involved and whether you will be able to cover the repayments. It's important to be honest with the lender so that you don't borrow more than you can afford.

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Mortgage Quote

Getting a mortgage quote is just the beginning

When you get a mortgage quote, you're just at the beginning of the mortgage process. Most quotes are in principle, and to turn them into an actual mortgage you'll need to provide detailed information and get the property valued a process that can often take weeks depending on who you're dealing with.

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Mortgage Rate

The difference between base rates, fixed rates, tracker rates and variable rates

All mortgages are based on the Bank of England base rate, which is why homeowners get scared if the Bank announces a rate rise. However, the mortgage rate could be very different from the base rate, and it's important to compare like for like.

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Mortgage Rate Calculator

Can you trust the calculators on the mortgage lender sites?

Most of the lender web sites offer a mortgage rate calculator that you can use to work out what you can afford to borrow, but there are big differences between different calculators. In order to trust a lender's own calculator you need to know what kind of calculator you're using.

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Mortgage Refinancing

Benefit from rising house prices without moving house

Mortgage refinancing is a good way to benefit from increasing house prices without changing where you live. Remortgaging enables you to raise money for home improvements, a dream holiday or the conservatory you've always fancied, or you could just move to a mortgage with lower payments.

Apply for a free quote

Mortgage Repayment Calculator

Considering a variable rate mortgage? Then fiddle with figures.

Our mortgage repayment calculator lets you specify the interest rate. If you're considering a variable rate mortgage it's a very good idea to try different rates to see how they will affect your repayments.

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Mortgage UK

Get a free mortgage quote and receive help in plain English

If you're looking for a mortgage UK quote we are packed with articles and advice that can help you through the mortgage maze. You'll also find a range of tools that will help you compare products.

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Mortgages Property Abroad

Buying abroad? Get someone else to do the hard work

It's a brave borrower who mortgages property abroad: deposits are hefty, the rules are different and you have to deal with foreign estate agents, lenders and other organisations. However, a growing number of firms promise to make the whole process as simple and as inexpensive as possible.

Apply for a free quote

Non Status Mortgage

Why some borrowers are invisible to lenders

Mainstream lenders don't like the idea of a non status mortgage. Due to the fact that you have no credit history, it's hard to decide whether you're a safe bet or a big risk. Yet many non status borrowers are perfectly respectable in fact, some of them are simply good with money.

Apply for a free non status mortgage quote

Offset Mortgage

Put all your money eggs in one basket to save money

An offset mortgage is actually a smart idea: by combining your current account, savings and your mortgage, you could pay significantly less interest on your repayments. It can save you a lot of money, but you'll also lose interest on your savings.

Apply for a free offset mortgage quote

Overseas Mortgage

Buying a holiday home could be simpler than you think

If you've always dreamed of a villa in Spain or a holiday home in southern France, then an overseas mortgage will be ideal for you. You don't need to visit a specialist lender to arrange one as many big-name banks will help you finance foreign purchases.

Apply for a free quote

Pension Mortgage

Can your pension pay off your mortgage?

One of the latest products on the market is the pension mortgage, which is good for high rate taxpayers but very risky too. Think of it as an interest-only mortgage that relies on your pension plan to pay off the initial money you've borrowed.

Apply for a free quote

Problem Mortgage

Self employed? You could be heading for a mortgage headache

A self employed mortgage is a problem mortgage: the same information your accountant uses to help you pay less tax can actually prevent you from getting a decent mortgage deal. Look for lenders that want to know your gross income, not the net.

Apply for a free quote

Remortgage

Get a new mortgage without moving home

If you've had a mortgage for a few years, you're probably paying too much. A remortgage enables you to get a better deal from your lender or from a different one. You can also use a remortgage to raise extra money for home improvements or to pay off debts.

Apply for a free remortgage quote

Right To Buy Mortgage

Watch out for dirty tricks by unscrupulous lenders

Most firms that provide right to buy mortgage schemes for council tenants are perfectly reputable, but the Office of Fair Trading has taken action against some firms who have tried to scare people into applying for a mortgage. If in doubt, talk to your nearest Citizens Advice Bureau.

Apply for a free quote

Second Mortgage or Loan

Use the value of your home to raise extra cash

A second mortgage doesn't replace your mortgage; rather, it's an additional loan that once again uses your home as security. Banks like them because they're safer than unsecured loans, but payment protection is strongly recommended, because if you fall behind on the repayments you could end up in serious trouble.

Apply for a free quote

Self Cert Mortgage

Self employed? Irregular income? Consider a self cert mortgage

A self cert mortgage short for self-certified is ideal for the self-employed or anyone with an irregular income. Instead of payslips and P60s you simply tell the lender what you earn but the increased risk means you won't be offered a 100% mortgage.

Apply for a free self cert mortgage quote

Self Certification Mortgage

Get a mortgage without supplying busloads of paperwork

Getting a mortgage usually means providing lots of paperwork to the lender such as payslips, P60s and bank statements. It's even worse if you're self employed or have an irregular income. With a self certification mortgage you can avoid most of the hassle and most of the paperwork.

Apply for a free quote

Self Certified Mortgage

What firms offer self certified mortgages?

Until recently, anyone who couldn't prove their income self-employed people, temp workers, people paid in cash and so on was treated like a leper by mortgage lenders. That's changed, and a growing number of firms will offer you a self certified mortgage including some big names.

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Self Employed Mortgage

Life isn't easy for entrepreneurs, but things are improving

Getting a self employed mortgage isn't easy: there's much more paperwork and you might find that lenders won't give you their very best deals. However things are improving, and if you shop around you can still get a good deal on your mortgage without paying through the nose.

Apply for a free self employed mortgage quote

Spanish Mortgage

Finance a Spanish holiday home without leaving the UK

Spanish banks have a slightly different approach than UK banks when it comes to getting a Spanish mortgage. For a second home, lenders are unlikely to offer more than 80% of the property value, and borrowing is based on how much you earn compared to the repayments.

Apply for a free quote

Tracker Mortgage

Track interest rates and pray that they fall

Unlike variable rate mortgages, which the bank can vary at will, a tracker mortgage is guaranteed to follow the ups and downs of interest rates usually the Bank of England base rate. If the rate falls, so do your payments but if it rises, your mortgage costs more.

Apply for a free tracker mortgage quote

UK Mortgage

The UK mortgage market has changed for the better

The UK mortgage market is in the best shape it's ever been: all kinds of lenders offer all kinds of mortgages, and no matter what your requirements someone, somewhere will be happy to lend you cash. Thanks to the Internet, borrowers are better informed than ever before.

Apply for a free quote

Variable Mortgage

The most common type of mortgage isn't always a safe bet

The most common mortgage on the market is the variable mortgage, which offers low interest rates and is available everywhere. However, variable rates aren't always a safe bet because if interest rates rise, you could struggle to meet your monthly payments and if they fall, the lender might not reduce its rates.

Apply for a free variable mortgage quote

Which Mortgage

Which type of mortgage is best for the average homebuyer?

Deciding which mortgage is best for you depends largely on your attitude to risk! For example, a fixed rate mortgage is slightly more expensive than a variable rate mortgage, but it protects you from interest rate hikes for a period of two to five years. Other mortgages are more risky but cheaper.

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Why Mortgage?

Things to think about before applying for a mortgage

Before you start applying for a mortgage, it's important to think about the different products on the market and the ways in which you can make your mortgage cheaper. Some lenders won't let you borrow 100% of a property's value, while others go out of their way to welcome problem cases.

Apply for a free mortgage quote

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