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Finding the best mortgage deals

Follow our tips to find, and successfully apply for, the best mortgage deal.

In this article
Video: five tips for finding the best mortgage Working out which is the best mortgage deal for you
Mortgage application checklist

In this guide, we explain the most important things to look for when searching for a mortgage. Check out our two-minute video below for an overview, and then download our mortgage application checklist to make sure you've got all the documents you need before submitting an application.

Video: five tips for finding the best mortgage

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Working out which is the best mortgage deal for you

Work out what you can afford

Use our mortgage repayment calculator to find out what your repayments would be at different interest rates. This will give you have a better idea of how much you can afford to borrow - both now, and if rates change in the future. 

Shop around

There are big differences between mortgage deals, so it always pays to compare costs. You can compare the best mortgage deals currently on the market by visiting Which? Mortgage Advisers

Calculate your total costs 

It's important to look beyond the headline interest rate and take into account all the fees you have to pay. Arrangement fees, mortgage valuation fees and insurance fees may all apply, and these costs should be added to your calculations.

Be wary of extra interest 

Instead of paying your mortgage fees upfront, you may have the option of adding them to your loan. While this can be a helpful option if you're low on cash, be aware that it will result in you paying extra interest on these fees over time.  

Avoid early repayment charges 

By avoiding mortgages with early repayment charges, you can switch to a better deal without charge after the initial rate has ended. Make sure your mortgage is also portable, so you can keep the same deal if you move house.

Get good, unbiased advice 

If you decide to consult a mortgage broker, make sure you use an independent company or adviser. An independent broker can help you find a deal that best suits your personal circumstances. But some deals are only available directly from the lender, so always do your own research as well and compare your findings with the recommendations your adviser gives you. 

Mortgage application checklist

Mortgage application checklist
Our easy-to-use, printable checklist will guide you through the paperwork you'll need to get together. 
(PDF 6)

Correct as of date of publication.

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Your home may be repossessed if you do not keep up your mortgage repayments