Over our years of experience we have learned that while most people understand the idea of a mortgage, they are often overwhelmed by the complexity of the different products. Our advisers will guide you through the entire process, but we still recommend that you familiarise yourself with the basics.

Buying your next home is hugely exciting but it can also be quite daunting. One of the things many home movers worry most about is money constraints, so finding best mortgage deal out there is extremely important. With thousands of mortgage products available, how on earth do you know what to go for?

Remortgaging is the process of redeeming your existing mortgage with a new secured loan from a different lender. Perhaps your fixed rate mortgage is about to switch to a standard variable rate or you simply require an agreement that is better suited to your current situation.

Each lender will have its own definition of a new build mortgage, but typically it is any mortgage taken out on a newly-built property that has not been owned and occupied by a previous owner. Most new build developers will require you to work with an experienced broker. Through our partnerships with new build developers, we are perfectly situated to provide you with the most up to date advice.

The UK’s freelance/self-employed sector is growing. It can be liberating and brings many rewards but not when it comes to buying a home. The confusion surrounding self-employed mortgages effects thousands of applicants each year. But the good news is you can absolutely still get a mortgage if you meet the lender’s criteria - even if you’re at the beginning of your career and have a fluctuating income.

Buy to Let mortgages are for landlords who buy property specifically to rent out. They are usually more expensive than normal mortgages, but they could help you become a property investor. If you want to become a landlord, but don’t yet have the capital to buy a property outright then you will need speak to one of our advisers to get the money in the form of a loan, which you’ll pay back with rental income.