Mortgage Guides
We understand that mortgages can seem confusing and you might not know where to start. That's why we've developed some helpful guides to make your mortgage experience a little less daunting. Our Mortgage Advisers are here to help you throughout your journey, allowing you to enjoy the excitement that comes with moving home, buying your first home or even extending your existing home.
Please choose your guide below.
First time buyer guide
A comprehensive guide to help first time buyers gain an understanding of what to expect when buying their first home. Click here
Understanding mortgages
An in-depth guide to help you get some basic knowledge and understand the essentials about mortgages to get you started. This is a useful tool for both first time buyers and home movers. Click here
A guide to rate switching
Designed for our current mortgage customers. A detailed guide that explains what happens when your current mortgage product comes to an end, how we will contact you and what you need to do. Click here
Mortgage glossary
An A-Z of commonly used mortgage terms but using language you'll feel comfortable with, helping you understand all the jargon that's out there. Click Here
A guide to additional borrowing
A useful guide if you are looking to borrow some extra money. It explains the circumstances that we will offer additional borrowing and how to go about applying. Click here
Government Schemes
There are many Government Schemes available, all designed to help first time buyers make the first step onto the property ladder. This guide will give you an understanding of what Government Schemes are available and which ones we will consider. Click here
A guide to remortgaging
Remortgaging can be confusing, this easy to understand guide is designed to make the process as straightforward as possible. Click here
A guide to moving home
This guide is here to help you understand what you will need to do, from arranging a new mortgage to considering the costs associated with moving. Click here
A guide to selling your home
This guide aims to make selling your home easier with some handy tips to help you get started. Click here
Financial difficulties
We understand that some people may experience financial difficulties during the term of their mortgage. This guide is here to help you understand how we can help. Click here
Does my Ex have to pay half of the mortgage?
We recognise that your personal family circumstances may change. This informative guide is here to help you understand your different options in relation to your mortgage when going through a separation. Click here
15 year Vs 30 year mortgage, what's the difference?
Trying to decide the length of your mortgage can seem like a confusing task. Our guide is here to help you determine what you think is best for you and your future. Click here
Are second mortgages tax deductible?
If you're a landlord, find out everything you need to know about tax and second mortgages. See where you stand by reading our handy online guide. Click here
What mortgage is the easiest to qualify for?
Depending on the type of mortgage you are looking for, different rules will apply. Find out all you need to know about qualifying for a mortgage, from credit scores, to small deposits. Click here
Your house is an asset: here's how
From money making opportunities, to reasons why owning a home is a smart investment. This insightful article lets you know exactly why becoming a homeowner is a brilliant idea. Click here
10 questions to ask when viewing a house
It is important to make the most of house viewings, this guide includes some important things to consider during your short time at the property. Click here
Where to get a Mortgage in Principle
When you first start looking for a mortgage, many lenders will provide you with an Agreement in Principle (AIP). These are otherwise known as a Decision in Principle (DIP). To find out more about what AIP's are, when to get an AIP, and how to get one, click here.
Who Regulates Mortgage Companies?
Mortgage companies in the UK are regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). You can find out more information about who regulates mortgages in the UK and how they are regulated here.
How does Mortgage Interest Work?
A mortgage rate is the rate of interest charged on a mortgage by your mortgage lender for borrowing money. If you're looking to find out more about how mortgage interest rates work and why they are important, click here.
How Often Do Mortgage Rates Change?
A mortgage rate, or mortgage interest rate, is the rate of interest charged on a mortgage by your lender for borrowing money to buy a property. To find out more, please click here.
Can I Get More Than One Decision In Principle?
A Decision in Principle is a written summary from a mortgage lender detailing how much they may be able to lend to you and is a helpful first step in your mortgage journey. To find out more, please click here.
What Does Porting A Mortgage Mean?
Porting your mortgage is buying a new home but keeping your existing mortgage deal and rate. It’s important to note that porting is not a transfer of the mortgage loan, it’s a transfer of the mortgage product/deal. To find out more, please click here.