How much can I borrow

The amount you can borrow will generally depend on two key factors: the amount you – and your partner if required – earn; and your outgoings. The key issue is how much you can afford.

Click here to find out more. Click Me

Which mortgage is right for me?

The amount you can borrow will generally depend on two key factors: the amount you – and your partner if required – earn; and your outgoings. The key issue is how much you can afford.

Click here to find out more. Click Me

Repaying debts

However much you borrow you will have to repay the loan by the end of your chosen term, together with the interest it has accrued. There are two ways to pay off your mort­­gage: you can either make monthly repayments towards the capital and interest or opt to pay off just the interest each month.

Click here to find out more. Click Me

The costs

When your lender has confirmed how much you can borrow, add your deposit money to this to work out your price range. You should take into consideration other homebuying costs as well. These include the valuation fee, survey fee, legal fees, stamp duty,  Land Registry fee and removal costs.

Click here to find out more. Click Me

Making an offer

When you are confident you have found the right property you can make a formal offer subject to contract and to a satisfactory survey. You may have to pay a holding deposit at this stage to the estate agent, held on behalf of the buyer until it is time to exchange contracts. This will usually be refunded if the seller pulls out.

Click here to find out more. Click Me

If things go wrong

Mortgage lenders and advisers have some of the best reputations in the UK financial services industry, but mistakes do sometimes still get made. Here’s what to do if you feel you have a problem.

Click here to find out more. Click Me

Energy performance certificates (EPCs)

Energy performance certificates are necessary for anyone selling or renting out a domestic property or commercial building and measures the energy efficiency.

Click here to find out more. Click Me