Mortgages

Buying a home is one of the biggest financial decisions you will make. When you take out a mortgage, your lender agrees to lend you a sum of money to buy a home and you agree to pay it back. You also pledge (promise) your home as security for the loan. This means that if you fail to pay, the lender could take legal action and repossess the property. 

Before you apply, use our budget planner to help you work out how much you can afford to repay. Our mortgages comparison shows you rates and repayments from lenders based on the value of the house and how much you want to borrow.

Getting a mortgage

In this section, you will find out:

• How to apply for a mortgage
• How much can you borrow?
• Fees and charges
• What to do if you are refused a mortgage

 We also have information on the types of mortgages available.    

Changing your mortgage

If you are reviewing your mortgage and considering other payment options, we have plenty of information to help you decide in our changing your mortgage section.

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