Pricing when buying a home in the UK

This section may seem very obvious. So skip it if you're clear on what you want and where you want to live. Otherwise read on. (We get very good feedback on it).

The clearer you are on exactly what you want the quicker you'll find it. If you're just dipping your toe in the water and seeing what takes your fancy the problem will be you'll be inundated with thousands of properties.

After a few weeks you'll start getting a feeling of deja vu. "Didn't I look at that fisherman's shed in the Outer Hebrides last month? Errr..."

If you've got the time, great. But if you want to move fast narrow your options down so you can cut a swathe through the numerous possibilities on offer.

If you're not sure about what you want and where you want to live, try this:

First consider what can you afford? Think of your ideal property, and then lower your sights down to what you'd be prepared to put up with.

Get a Mortgage in principle. This will give you a clear idea on how big a mortgage you can borrow.

Then think about What location?

What size do you need? How many rooms / bathrooms? Want a garden? and so on.

By Getting a Mortgage in Principle you will have an idea of what size you can afford in your chosen location.

If you don't have a clear idea on what you're looking for and can't narrow down your options it could make your search longer and impractical.

Checking the area

The internet has made available a wealth of information on all the different factors affecting each area of the UK.

A lot of this is marketing information that previously was only available to commercial companies planning their sales campaigns etc.

However now you can get a picture of the area you're thinking about living in. For example, details on schools, health, crime, social conditions, services, facilities and much more.

If you want to us to read a quick guide to the various ways you can do this click here.

Read enough? Just want a quote? To get your best mortgage quote quickly and easily we can put you in contact with a recommended mortgage adviser. It's free, completely confidential and there's no obligation at all. Simply fill out the form below

Important note about your credit rating

Many websites don't make it clear that filling in their mortgage enquiry form means you might be credit checked.

This can put you at risk.

UK Mortgage lenders may assume an enquiry you have aleady made to another lender means you were turned down - and not that you are in fact carefully shopping around and rejecting the bad deals.

The best way around this significant problem is to ask an independent mortgage adviser to make anonymous enquiries for you.

Without risking your credit score an adviser can find you the best available mortgage deal. They will also know how likely you are to be accepted by the lender if you decide to make a formal application.

If you would like a recommended adviser to check out the best deals for you, anonymously, simply fill in the quick form below.

" Hmm..." You might think; "Won't I be hounded by a salesman hungry for my business? "

This is the most common question we hear from our users.

The answer is no you won't.

Firstly your enquiry is only passed to ONE person on a carefully vetted list of independent advisers.

Secondly, these mortgage advisers are professionals. Even when the market is slow they are busy people. There many people who need to move homes, or get a remortgage and are looking for advice all the time. Regardless of the state of the property market, life goes on.

So the advisers don't have time to hassle people. It just doesn't work like that. No one is gong to be forced into taking out a mortgage unless they really need one.

The advisers are very used to talking with people, perhaps like yourself, who are only "dipping their toes" into the water.

Many people just want an initial quick chat and if they feel comfortable will ask the advisor to contact them again later - often in several weeks or months. As a professional, the adviser will simply diarise this and call back at the appropriate time. There is no obligation at all.

(In the unlikely event that you ever feel at all "hassled" by someone on our list please let us know immediately. We have never heard of this. But if it happened we would definitely want to know).

We tell you everything you need to win the race for that dream home... how to get your seller's Estate Agent onto your side... how to get properties for a 30% plus discount.. how avoid being gazumped at the last minute and more.

Click on your chosen subject below to access this invaluable FREE information.

Value of Property	£	(eg 159000)
Borrow How Much?	£	(eg 125000)
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Sorry ! The amount you want to borrow is less than £25,000. This is the minimum allowed for a mortgage. But don't worry ! You could get the money via a personal loan. I want a free no obligation loan quote Click OK No thanks. I will change my borrow amount to more than £25,000 Click Cancel
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Home Buying Guide
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How to Find Your New Home / Property
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What do you want?... Where?

Checking the area

Important note about your credit rating

Browse over 200 Free Mortgage Tips

Site Help

Home Buying Guide Click for Full Contents

How to Find Your New Home / Property Click for Full Contents

What do you want?... Where?

Checking the area

Important note about your credit rating

Browse over 200 Free Mortgage Tips

Site Help

Home Buying Guide
Click for Full Contents

How to Find Your New Home / Property
Click for Full Contents