Explore My Mortgage Options
Smart Mortgage Advice for Every Stage of Life
Mortgage advice: our advisors can help you understand the different types of mortgages available, including fixed-rate, standard variable rate, and more, and help you find the right mortgage to meet your needs.
Whether you're buying your first home, investing in property, or refinancing your mortgage, our clear advice helps you make confident decisions with expert guidance every step of the way.
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What types of mortgage are there?
Understand the different types of mortgage available, from fixed-rate to tracker and offset mortgages, so you can choose the right option for your situation.
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I’d like a residential mortgage
Looking to buy your home? Learn how residential mortgages work, how much you can borrow, and what lenders will consider.
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I’m thinking about buy-to-let
Interested in investing in property? See how buy-to-let mortgages work and what you need to consider as a landlord.
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How do I repay the mortgage?
Understand the different repayment methods, from capital repayment to interest-only, and how each affects your monthly payments and long-term plans.
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How do I unlock the equity in my home?
Explore ways to release equity from your property, whether for home improvements, gifts to family, or financial flexibility.
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What about equity release?
For later-life borrowers, discover how equity release schemes work and whether they might suit your retirement needs.
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Will Help to Buy help me?
Understand how government schemes like Help to Buy can assist first-time buyers or home movers with deposits and affordability.
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Right to Buy / Right to Acquire
Learn how Right to Buy and Right to Acquire schemes work, and what support may be available if you’re purchasing your council or housing association property.
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How much can I borrow?
Understand how lenders calculate affordability and what factors determine how much you can borrow — including income, debts, and expenses.
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How does my credit score affect my mortgage?
Learn how your credit history impacts mortgage applications, interest rates, and eligibility — and what you can do to improve your chances.
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What is a mortgage agreement in principle?
Find out how a mortgage Agreement in Principle (AIP) works, why it's useful, and what information lenders need to provide one.
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Can I port my mortgage to a new property? Tile Description:
See how mortgage porting works if you’re moving home, and whether your current lender allows you to transfer your existing deal.
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How do remortgages work?
Discover how remortgaging allows you to switch to a better deal, release equity, or change lenders — whether moving home or staying put.
Explore Remortgage Options
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Can I make mortgage overpayments?
Understand the rules around overpayments and how paying extra could save you interest and shorten your mortgage term.
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What protection do I need with a mortgage?
Learn about the insurances often recommended with a mortgage — including life cover, income protection, and critical illness insurance.
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How long should I fix my mortgage for?
Get clear advice on choosing your fixed term — whether 2, 3 or 5 years — and the pros and cons of fixed vs variable rates.
How We help you plan ahead:
Review all your existing pensions (including old workplace schemes)
We’ll review all your existing pensions, including old workplace schemes, to ensure nothing gets missed.
Identify any gaps early
Spot any shortfalls early, so we can make adjustments while there’s time to correct course.
Check your investment risk level
Make sure you’re taking the right level of investment risk for your circumstances and retirement timeframe.
Make tax-efficient contributions where possible
Make full use of your tax allowances and contribution opportunities to grow your pension efficiently.
Ensure your funds match your long-term goals
Ensure your pension funds match your personal goals, timeline, and financial objectives.
Track your progress regularly
Review your pension regularly to keep everything aligned as markets — and your life — evolve.