UK Mortgages

Which Mortgage?

First Time Buyers

Remortgages guide

Bad Credit

Get a Quote Now

Full Mortgages Guide

Home Buying Guide

Mortgage TIPS

Home Insurance

SEARCH Site

All UK Mortgage Types

Mortgage Guide
Click for Full Contents

Mortgage Basics
Click for Full Contents

The choices you need to make

Choosing a mortgage can seem daunting when there are so many different mortgage lenders, offering so many different deals.

But, with our help, it can be perfectly straightforward.

Whatever you want to know about, just click on the related link for the information you need to make an informed choice.

Basically, when you're looking for a mortgage, there are six things to decide. These are

• The amount
This will depend on a combination of factors, including the price of your chosen property, what you can afford and what your mortgage lender is willing to lend you.

For more on this, go to How much can I borrow?• The term
You can sign up for a traditional 25-year mortgage term or borrow over a longer or shorter period.

To find out more, read What mortgage term should I choose?• The type of mortgage
You can opt for a repayment mortgage (also known as a capital and interest mortgage) or an Interest-only mortgage.

For more on this, visit Should I choose repayment or interest-only?• The type of interest deal
Most people go for a fixed-rate or a discounted variable interest deal - although there are other options (see our A-Z of all UK mortgage types.)

To help you decide, read Should I go for a fix or a discount?• The length of the deal
Fixes and discounts can last for anything from a few months to your full mortgage term, but deals lasting two to five years are most popular.

To find out more, see What length of Mortgage deal should I choose?• The lender
Your mortgage lender could be a bank, building society or some other financial institution.

To help you find the one offering the best interest rate - and terms and conditions - for the type of loan you want, it's important to have reliable advice.

You can get this from a mortgage broker or an IFA (independent financial adviser).

To help you make the choice, go to Finding your mortgage.

To read more on this subject please see the list below or your mortgage guide or your home buying guide

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

Value of Property £ (eg 125000) Borrow How Much? £ (eg 92500) Your Mortgage Type    - please select - Re-Mortgage Purchase Buy to Let Overseas   First time buyer? Yes No Have you found property? Yes No Country   - please select - Andorra Australia Bahamas Barbados Belgium Belize Bulgaria BVI Cayman Islands Cyprus Canada Dutch Antilles France Greece Ireland Italy Jamaica Malta Mexico New Zealand Poland Portugal Spain St. Lucia Switzerland Trinidad & Tobago Turks & Caicos USA Other.. 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

Read On / Mortgage Basics

What is a mortgage?

A basic summary of the rules

The choices you need to make

How much can you borrow?

How do you prove your income?

How long are mortgages usually for?

What will happen to interest rates?

Read On / Mortgage Guide

How to Choose your Mortgage

Types of Mortgage

Remortgages

Where to Find your Mortgage

Getting a Mortgage in Principle

Costs of a UK Mortgage

Your Mortgage TOP TIPS

Calculators

A to Z all UK Mortgage Types

Read On

Guide to Buying Home in the UK

Guide to UK Home and Mortgage Insurance

Life Insurance Guide

Glossary of UK Mortgage Terms

Mortgage News

Mortgage Basics

What is a mortgage?
A basic summary of the rules
How much can you borrow?
How do you prove your income?
How long are mortgages usually for?

Back to main contents

How to get a Mortgage in the UK

Here we give you a step by step guide on how to get a mortgage with special tips

I'm employed - shortcut

I'm self-employed - shortcut

I'm buying my first mortgage - shortcut

I've got a bad credit history - shortcut

Mortgage Basics

How to Choose your Mortgage

Types of Mortgage

Where to Find Your Mortgage

Getting a Mortgage in Principle

Cost of a UK Mortgage

Your Mortgage TOP TIPS