One of the most stressful parts of home ownership is arranging the right mortgage. With 1000's to choose from, we can ensure the process is simple and straightforward.

How much can I borrow?

There is no point in finding your ideal home or planning an extension on your current property only to find that it is beyond your financial reach. In the past, lenders traditionally calculated the amount you could borrow as a multiple of your salary. So, you might typically have been granted a mortgage of four times your gross annual earnings. Nowadays all banks and building societies lend funds according to affordability and will ask for details of your income and outgoings before they decide on a figure. They will also consider the impact of future interest rate rises.

Choosing the right mortgage

Our advisers are here to find the right mortgage for you. Whatever your deposit size, and whether you want a fixed or a variable rate deal, we will compare mortgage products from a wide range of lenders so you can be sure you are getting the best product for you.

Help to Buy – New Build only

If you are eligible for the Help to Buy scheme some banks and building societies will only require you to put down a 5% deposit. If not, you will generally require a minimum deposit of 15% for a new build house and 20% for a new build flat. The larger the deposit you have, the better the interest rates available to you will be.