First-time buyer
Buying your first home? Understand deposits, affordability, Agreements in Principle and your mortgage options.
First-time buyer mortgagesClear Mortgage Advice for Your Next Move
Understand your mortgage options, whether you are buying, moving home, reviewing a deal or considering later-life borrowing.
Find your next step
Browse our guides or request a call about your plans.
Explore Your Mortgage Options Speak to an advisorClear explanationsGuidance for your circumstances
What are you looking to do?
Explore the mortgage journey that best matches your plans, then follow the link for more detailed guidance.
Buying a home
Looking to buy a property? Explore borrowing, deposit requirements and the mortgage application process.
Buying a homeMoving home
Moving house? Explore porting your current mortgage, borrowing more or arranging a new deal.
Home mover mortgagesRemortgage
Mortgage deal ending or thinking about changing lender? Review your remortgage options.
Remortgage optionsBuy to Let
Buying or refinancing a rental property? Explore landlord and limited-company mortgage options.
Buy to Let mortgagesSelf-employed
Sole trader, contractor or company director? See how lenders may assess your income.
Self-employed mortgagesEquity release
Considering later-life borrowing? Use our calculator and learn how equity release and lifetime mortgages work.
Equity release calculatorStart with the numbers
Before speaking to anyone, get an initial idea of what your mortgage or borrowing options could look like.
Mortgage calculators
Estimate borrowing, deposit requirements and loan-to-value.
Equity release calculator
Get an initial estimate and learn about lifetime mortgages, long-term costs and alternatives.
Use the equity release calculatorMortgage advice based on your circumstances
Mortgage options can depend on your income, deposit, credit profile, property and future plans.
Clear explanations
Understand mortgage options, costs and lender criteria without unnecessary jargon.
Advice for your circumstances
Relevant details such as income, deposit, property and plans can all affect what may be available.
Support through the process
Get guidance from understanding your options through to an application if you decide to proceed.
Specialist situations considered
Self-employment, complex income, Buy to Let, adverse credit and later-life borrowing may need a different approach.
Preparing for a mortgage conversation
A few details can help you make the most of a conversation with an advisor.
What should I have ready?
Start with your income, regular spending, deposit or estimated equity, and the property you are considering. If you already have a mortgage, note its balance and deal end date.
Discuss your circumstancesHow can the calculators help?
Use the borrowing, deposit and LTV tools to prepare an initial picture. Results are illustrations, not a mortgage offer or confirmation of eligibility.
Estimate your borrowingWhat if my income or property needs a closer look?
Self-employed income, company ownership and rental properties can involve different evidence. The relevant guide can help you prepare questions before requesting advice.
Read about income assessmentMortgage advice for more than straightforward cases
Some situations need additional questions or evidence. Explore the specialist guides already available.
How mortgage advice works
Tell us what you are looking to do
Choose the mortgage journey that best matches your circumstances.
Understand your options
Use our guides and calculators to get an initial picture of what may be possible.
Speak to an advisor
Discuss your income, deposit, property and borrowing requirements.
Apply when you are ready
If you decide to proceed, your advisor can help you through the application process.
Mortgage guides and useful information
Clear, practical starting points for common mortgage questions.
How much mortgage can I borrow?
Learn what lenders may consider when assessing mortgage affordability.
Use the borrowing calculatorWhen should I remortgage?
Understand when to start reviewing your options before your current mortgage deal ends.
Read about remortgage timingHow much deposit do I need?
See how deposit size and loan-to-value can affect mortgage options.
Read about depositsMortgage questions answered
How much can I borrow for a mortgage?
Borrowing depends on income, expenditure, deposit, credit commitments, term, property and the lender’s affordability criteria. Use our mortgage calculators for an illustration.
How much deposit do I need?
Minimum deposits vary by lender, product and circumstances. A larger deposit usually means a lower LTV, but it does not guarantee a particular product or rate.
Can I get a mortgage if I am self-employed?
Self-employed applicants can be considered, but income assessment and evidence vary by lender. Read our self-employed mortgage guidance.
When should I start looking at remortgage options?
Many borrowers review options before their existing deal ends. Exact timing depends on the lender, product and circumstances. See our remortgage guidance.
Can I get a mortgage with bad credit?
Historic credit issues do not automatically determine the outcome. Available lenders and terms depend on the type, age and severity of the issue alongside your wider circumstances.
What does a mortgage advisor do?
An advisor can help you understand your circumstances, compare potentially suitable routes, explain costs and support you through an application if you decide to proceed. Speak to an advisor.
What is an Agreement in Principle?
It is an initial indication based on information available at that point, not a formal mortgage offer or guarantee of acceptance.
What is loan-to-value?
LTV is the mortgage balance divided by the property value, multiplied by 100. For example, £180,000 on a £200,000 property is 90% LTV.
Ready to discuss your mortgage options?
Enter your details and get a call from an advisor to discuss your next step