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What is a mortgage?

A mortgage is a loan that you use to buy a property.  You pay back the loan each month usually for 25-30…


How much can I borrow?

You can usually borrow 4 times your salary, some lenders may offer 5 times your salary. All lenders…


What mortgage can I afford?

When you apply for a mortgage, lenders will look through your bank statements and assess all your outgoings…


What are mortgage interest rates?

Mortgage interest rates affect how much you’ll need to pay when you get a mortgage. The interest rate…


What is the best mortgage rate?

The best mortgage for you can depend on lots of different factors like: How much you’re borrowing The…


How long does it take to buy a house?

On average, the whole process, from viewing properties to completion, takes around 6 months. This timeframe…


How long does it take to get a mortgage?

Mortgages can take up to 3 months to secure but depending on your financial circumstances, this could…


What is a mortgage in principal?

A mortgage in principle (MIP) is a certificate issued by a lender before you make a full mortgage application. It…


What is Help To Buy?

Help to Buy is a government scheme to help people who are finding it hard to buy their first home or…


Am I eligible for Help To Buy?

You can get an equity loan if you're: A first time buyer An existing homeowner Buying a new-build…


What is Stamp Duty?

Stamp Duty Land Tax (SDLT) is a tax in England and Northern Ireland. It usually applies to residential…


What is a fixed-rate mortgage?

If the mortgage has a fixed rate for a set period of time, the amount of interest you pay will stay the…


What is a variable rate mortgage?

The amount of interest you pay on variable mortgages changes over time. Monthly payments can go up and…


What is the process like?

Ensure your affordability based on good credit score, at least 5% deposit, employment status etc. Get…


How will it work if I decide to sell the house?

There are different options available for those who decided to sell the property or move to another one.…