⚡ Quick Answer
Free UK mortgage advice from qualified experts. Covers all mortgage types, eligibility, applications and remortgage. Use our mortgage calculator to estimate your payments, and see our full mortgage hub for all guides.
How to Get Started
The first step is always to check your credit score for free and understand your current financial position. Then use our mortgage calculator to estimate what you could borrow.
Trusted Resources
For official UK government guidance, visit GOV.UK property buying guide ↗. For free independent advice, see MoneyHelper ↗ or Citizens Advice ↗.
Quick Links
External Resources
- FCA — Official Mortgage Consumer Guide ↗
- MoneySavingExpert Mortgage Guide ↗
- Which? Mortgages & Property ↗
- MoneyHelper — Buying a Home ↗
Frequently Asked Questions
- Benchmark total cost over the fixed period — rate plus fees, not headline rate alone
- Loan-to-value bands (95/90/85/80/75%) drive pricing — a small extra deposit can cross a cheaper band
- Whole-of-market brokers see deals comparison sites don't carry, especially for non-standard income
- Get a soft-search decision in principle first — it costs nothing and reveals problems early
What the Comparison Sites Won't Tell You
Get your decision in principle before falling in love with a property. It's a soft-search estimate of your borrowing power that estate agents increasingly require before viewings, and it surfaces credit-file surprises while there's still time to fix them.
Buying new-build changes the process: developer deadlines (typically a 28-day exchange requirement), incentives that lenders may deduct from the valuation, and longer mortgage-offer validity requirements. Tell your broker it's new-build on day one.
Post-2023 affordability testing is stricter than many buyers expect. Lenders now stress-test your payments at a notional higher rate, and your outgoings matter as much as income. Clearing a £300/month car payment can add £15–20k to a mortgage offer.
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