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Getting a mortgage

14 articles

How to get a mortgage: find out about how much you'll be able to borrow, boosting your chances of being accepted and the mortgage application process.

How much can you borrow?

Last updated: Apr 2022

Find out how much a bank is likely to lend you for a mortgage with our 'How much can I borrow?' calculator, plus how lenders use affordability testing to make their decisions.

Improving your mortgage chances

Last updated: Apr 2021

Find out how to boost your chances of being accepted when you apply for a mortgage.

Finding the best mortgage deals

Last updated: Nov 2021

Find out what to look for when comparing mortgages so you can find the best mortgage deal for you.

Choosing a mortgage broker

Last updated: Jan 2022

A decent mortgage adviser can find the best mortgage for you and apply on your behalf. Discover questions to ask when choosing a mortgage broker and how commission and fees work.

Online mortgage brokers

Last updated: Apr 2021

These days you can find and apply for a mortgage at the touch of a button. Find out how online mortgage brokers work, the differences between sites including Habito and Trussle, and the pros and cons of using one.

Applying for a mortgage

Last updated: Jan 2022

Not sure how the mortgage application process works? You're not alone. Find out the steps you need to take when applying for a mortgage

What is a mortgage agreement in principle (AIP)?

Last updated: Apr 2021

Find out everything you need to know about agreements in principle, including the pros and cons of getting one.

Mortgage valuations explained

Last updated: Apr 2021

Find out how a mortgage valuation works, what valuations cost, how they differ from house surveys and what to do if you're given a ‘down valuation’.

95% mortgage guarantee scheme

Last updated: Apr 2021

Find out how the mortgage guarantee scheme works and whether it could help you buy your first home with a 5% deposit.

Mortgages for self-employed buyers

Last updated: Apr 2021

Getting a mortgage if you're self-employed can be a challenge, but it's certainly not impossible. Find out how to improve your chances of having your application accepted. 

Contractor mortgages: how to get one

Last updated: Apr 2021

Find out how you can improve your chances of getting a mortgage to buy a home as a contractor or freelancer, as well as how banks will assess your application.

Getting a mortgage on maternity leave

Last updated: Apr 2021

Find out everything you need to know about getting a mortgage when pregnant or on parental leave, including the documents you'll need and how major lenders' attitudes to families differ.

How can parents help first-time buyers?

Last updated: Apr 2022

Want to help your child get onto the property ladder by contributing to their deposit or acting as a guarantor for their mortgage? Our guide explains your options.

Bank of England base rate and your mortgage

Last updated: Mar 2022

Find out how the base rate will affect your mortgage payments and what to do if you’re on a tracker, discount or SVR mortgage when the base rate changes
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