Mortgage guides
The subject of mortgages can feel complicated enough as it is. Trying to arrange one by yourself whilst juggling all your everyday demands can even feel rather daunting!
We also understand that there may be lots of questions you may have or things you feel you want to know more about.
We are here to help you and are happy to give you expert, fee-free advice at all stages of the journey - whether you're remortgaging, buying a new home or have a rental property.
And, in the meantime, if you'd rather do a little self-learning, or there's a question we can answer right here, we've also put together a range of mortgage guides for you to read if you have a spare 10 minutes. If there's something you need to know which we haven't covered in our guides, then just let us know! We'll either create a new guide for you or help you direct via email or phone.
Remortgaging a Help to Buy or Shared Ownership property - after the offer is issued
If you’ve previously bought your home using either a Help to Buy equity loan or the Shared Ownership scheme, there are usually a few more legal hoops to jump through when you come to remortgage.
Specialist mortgage products
Use this mortgage guide to find out about the specialist mortgage products that are available.
Mortgages for new build homes
Looking to get a new build mortgage? Here is a guide on everything you need to know so that you experience no issues along the way.
How to get on the property ladder: A first time buyer’s guide
There are a number of ways for first time buyers to get themselves on the property ladder. Whether you’re right at the start of your journey or ready to buy your first home, we’ll take you through some of the best options in this guide.
Help to Buy
Use this mortgage guide to find out all about Help to Buy, the government's scheme for first time buyers.
Best 90% mortgages
Looking to find out more about 90% and 95% mortgages? Read our guide to understand what they are, how they work and the pros and cons of these low deposit mortgage options.
Is a buy to let a good investment?
Use this mortgage guide to find out if buy to let mortgages are a good investment.
What is life insurance?
Use this simple guide to find out all about life insurance, how it works and what the potential benefits of a life insurance policy are.
I've got my mortgage offer, what happens next?
Receiving a mortgage offer from your lender means you’re one step closer to remortgaging, but it’s important to understand the next steps in the process.
Remortgaging a leasehold property - after the offer is issued
If you’re looking to remortgage a leasehold property, your lender will require some additional checks by your conveyancer that aren’t needed if you’re remortgaging a freehold property.
How does your credit score affect your ability to get a mortgage?
Your credit score could be positively or negatively affecting your ability to get a mortgage. Find out more about what this means and what you can do.
Guide to Lifetime ISAs (LISAs)
The new Lifetime individual savings account or LISA, is designed to help first-time buyers save a deposit to buy a property, or those who want to save for retirement, or both.
Guide to large mortgages
Find out everything you need to know about which types of lender offer large mortgage loans, what additional requirements you may need to meet when you apply for a high value mortgage, and what sort of costs might be involved.
Stamp duty explained – What is Stamp Duty?
If you’re buying a property costing more than £125,000, you’ll need to pay Stamp Duty on your purchase. Find out more about how stamp duty works.
What is family income benefit insurance?
Use this guide to find out all about family income benefit insurance, what it is, how it works and how it could benefit you.
What type of life insurance do I need?
Use this simple guide to find out about the different kinds of policy that are available, as well as the benefits (or drawbacks) of each type.
Check your mortgage options
See the deals you qualify for & how much you could borrow