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Mortgage advice can be provided by phone and post so regardless of where you are in the UK the regulated firms we work with can still help.
There is no obligation to accept anything but mortgage advisers will try to find you a solution you are happy with.
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Basic Mortgage Information:
Although a mortgage is usually used to buy the home, it is becoming much more popular to consider a new lender (where the property is already owned) to take advantage of a more competitive product or to raise capital for other purposes such as redecorating or building an extension.
The basic concept is a long-term loan which normally runs for a fixed period of typically 25 years. Most are now flexible and allow for early repayment or, if your situation changes, the term can be extended beyond the original fixed period.
The word ‘mortgage’ is really a legal term denoting the giving of certain rights over one’s property to somebody else as security for a loan of money. However the term is now casually used as though it means a loan secured on property. Thus we say ‘we got a mortgage on our house’, when what in fact happened was that we received a loan and for security we ‘gave’ a mortgage on our house.
You can get a mortgage from anybody who has money to lend, i.e. finance companies, banks and building societies.
Banks and building societies have two main functions, to provide a safe and easy to understand home for the savings of individuals and to on-lend the bulk of these personal savings to other private persons for the long term purchase of their homes.
Buying a house involves two kinds of expense. There are the ‘one-off’ costs of the actual purchase such as the valuation, legal expenses (conveyancing), arrangement fee and Stamp Duty if the property is valued over £125,000.
How is Stamp Duty calculated?
|Property value:||Percentage Charge:||Example:|
|£0 – £125,000||0%||£0|
|£125,001 – £250,000||1%||£175,000 @ 1% = £1750|
|£250,000 – £500,000||3%||£300,000 @ 3% = £9000|
|£500,000 – £1,000,000||4%||£1,000,000 @ 4% = £40,000|
|£1,000,001 – £2,000,000||5%||£1,500,000 @ 5% = £75,000|
|£2,000,000 +||7%||£3,000,000 @ 7% = £210,000|
Legal fees: are more costly for a house purchase compared to a remortgage because more work is required by the conveyancer such as the land registry needing to be updated with the new owner details. Legal fees can vary but a typical purchase can cost between £600 & £1200 for an average price property whereas a remortgage may only cost £300.
A valuation: will be required to confirm there is sufficient value in the property so it can act as security for the mortgage. Valuations are dependant on the value of the property but are usually paid for before
the actual value is established. Lenders will use an approximate value to calculate the price.
Lenders arrangement fees: are charged by the mortgage lender to cover the cost of processing the application and can vary from £300 to £2000. Some arrangement fees are a percentage of the value so can be more expensive. (ie. 1.5% fee for £100,000 = £1500 or for £300,000 = £4500).
Make sure you always read and understand any information provided to you about the product you are considering applying for.
Advisers accross the UK are waiting to help you. From Southampton and Winchester in Hampshire to London, Basingstoke, Newbury, Bournemouth and Portsmouth, although wherever you are in the UK you will still receive the best level of service..
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.