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What is a mortgage?

A mortgage is essentially a loan of money from a bank or building society, which is then paid back over a number of years, with interest. There are many different types, each with their own lending policies so it is important that you find out as much as possible, prior to making a mortgage decision.

How much can I borrow?

The mortgage amount you can borrow is generally dependent on your income with many mortgage lenders offering around 3.5 times your basic salary. Additionally many lenders will offer you up to 95% of the property value. However with the dramatic increase in house prices some lenders are offering 100% mortgages to help first time buyers get on the property ladder.

Variable or fixed rate Mortgage? Interest only or repayment?

As if it wasn't confusing enough with the different types of mortgages, there many different ways to pay them off - a fixed rate for a certain number of years or one that varies for the duration of your mortgage. Or you can pay only the interest portion of you mortgage or have your monthly repayments cover both the interest and a portion of your mortgage.


If you already have a mortgage it is possible to remortgage so that you can get a better interest rate or release some of the money tied up in your home. Let us try to better your current mortgage deal.

Shop Around for your mortgage.

As there are so many mortgage lenders, with countless varieties of mortgage policies it is important to shop around for the best deal for you and ensure you have the right mortgage for your individual circumstances. An independent mortgage adviser can search the market to find the best mortgage deal, as they are not tied to one mortgage lender. We shop around so you don't have to.


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