Mortgages

A mortgage is likely to be the single largest financial commitment you ever make. There's a wide range of mortgage products out there, with varying interest rates and repayment options available.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.


Remortgages

Remortgages

Remortgaging means switching your mortgage to another deal with another lender without moving property.

First Time Buyers

First Time Buyers

People buying their first home often have specific needs when it comes to finding a mortgage. A range of mortgages exists specifically for this market sector.

Buying a home

Buying a home

Before you choose a specific deal, you need to decide what type of mortgage is the most appropriate for your needs.

Buy to Let Mortgages

Buy to Let Mortgages

These types of mortgages are designed for property investors and private landlords, who do not intend to live in the purchased property but will let property to tenants.

Equity Release

Equity Release

Equity release can help people release cash (equity) in their homes for a particular purpose, like supplementing retirement income.

Help to Buy and other government-backed schemes

Help to Buy and other government-backed schemes

The government has put in place a number of schemes to support house purchasers, such as Help to Buy.

Second Charge Loans

Second Charge Loans

Second charge loans can be secured against residential or Buy to Let properties.

Mortgages

The mortgage market is set for more twists and turns this year, with two significant changes coming at the end of the first quarter.
Santander has excluded self-employed home buyers from its lower-deposit mortgage deals, meaning that new borrowers will now need a deposit of at least 40%.
Mortgage brokers have said some high street banks are refusing to even consider self-employed applicants if they have taken any Government Covid grants