UK Mortgages

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How to Choose your Mortgage
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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

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).

"Thank you... the form was very quick. After many long phone calls to various lenders - where I'd go over the same details again and again - I was amazed at how easy you made it. You've saved me £1000's.... "

Peter B, Leeds

Value of Property	£	(eg 159000)
Borrow How Much?	£	(eg 125000)
Your Mortgage Type		- please select - Re-Mortgage Purchase Buy to Let Overseas
Are you First time buyer?		Yes No
Have you found your 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
Do you want to Self Certify?		Tick this box if you need to self-certify your income. (Self certified means unable to easily provide proof of income, e.g. if you are self-employed etc.)
Have you:		Had a CCJ or Default registered against you? Let us know because we can help you
		Missed one or more secured loan or mortgage payments in the last 12 months? Don't let that stop you from getting your mortgage needs met.
		Been declared bankrupt or had an IVA? Not necessarily a problem. Just let us know
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Surname:
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Please enter your current postcode:
Address:		--- (click drop-down arrow for correct address) OR click here to enter address manually
Address1:
Address2:
Town:
County:
Email address:
Daytime phone number:
Evening phone number:
Please use this space to tell us the best time to call you and any other info you may wish to add:

It's a Buyers Market. Shop Around

There are hundreds of companies offering over 4000 different mortgages, which means there's a lot of competition for your money.

It's what's called a buyers market so you're in a stronger position to shop around than you may think.

The worse mistake you can make is to think "I'm not worthy" and grab the first mortgage that comes along. Take your time and shop around.

Of course the lenders traditionally give the impression that they're doing you a favour by even considering little old you for such a huge loan.

The truth is they want you. If they don't seem keen for your business they're probably not doing their jobs.

Read On:

Making Comparisons

The APR

Good vs Bad Mortgage Lenders

Making Comparisons

Having decided which type of mortgage you want, shop around for the best deal on offer.

Make sure the comparison is accurate by getting "like for like" quotes from the lenders ie for the same amount borrowed over the same period.

The most obvious thing to check is the "Headline Interest Rate". But this may be misleading. The real comparison will be in the APR.

Look at any application fees, the cost of the valuation and survey and so on.

Read On:

Making Comparisons

The APR

Good vs Bad Mortgage Lenders

See Mortgage buying tips

Click here to see your Latest Best Buy Mortgages

How to Choose your Mortgage

Deciding which type of mortgage you want

Comparing Mortgages

Good vs Bad Lenders

Mortgage buying tips

Building Societies

Back to main contents

How to get a Mortgage

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

" I am so glad I did your special enquiry form. It was so quick and compared to my bank the quote I got saved me a lot of money! " Richard C London