UK mortgage advice
Mortgages in the UK: choose the guide that fits your situation
Buying your first home, changing your mortgage, investing in Buy to Let or dealing with a more complex financial profile? We have grouped the key mortgage topics in one place.
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Regulated by the Financial Conduct Authority · No. 792412
In short
A UK mortgage is a loan secured on a property, used to buy a home or to move an existing loan to a new deal or lender (remortgage). Lenders look at your income and how it is evidenced, regular commitments, credit history, deposit and the property itself, so requirements differ for first-time buyers, Buy to Let, self-employed applicants or those with credit problems.
Choose the guide below that fits your situation. If you are not sure where to start, book a free initial consultation in English or Polish. Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage types and guides
Choose a mortgage topic
Each guide explains a specific situation, typical process, documents and the points a lender may check before making a decision.
First-time buyers
Buying your first property in the UK. Check deposit, affordability, buying costs and the mortgage process.
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Remortgage
For homeowners who want to review a product, compare lenders, reduce payments or release equity.
Read more
Buy to Let
Rental property finance, rental stress tests, personal or Ltd/SPV purchase and lender criteria.
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Right to Buy
For council and eligible housing association tenants in England: discount, mortgage options and the RTB1 application steps.
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Right to Acquire
For eligible housing association tenants in England: how Right to Acquire works, the RTA1 form and mortgage options.
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Government home-buying schemes
Shared Ownership, First Homes and the separate schemes in Wales, Scotland and Northern Ireland: who can apply and how the mortgage works.
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Self-employed mortgage
Mortgage guidance for sole traders, contractors, freelancers and Ltd directors.
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Debt consolidation
When consolidating debts through a remortgage or a second charge mortgage may be considered, and the risks to check before securing debts on your home.
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Mortgage porting
Moving home with an existing mortgage: when porting may work and when a new assessment is needed.
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How much can I borrow?
Mortgage affordability in the UK: income, commitments, dependants, deposit and lender criteria.
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Credit history
How credit reports, hard searches, missed payments and electoral roll can affect a mortgage application.
Read more
Bad credit mortgage
Mortgage options with adverse credit, CCJs, defaults, missed payments, payday loans or limited credit history.
Read more
Home Survey
Home Survey, valuation, HomeBuyer Report and Building Survey. Check which report may suit the property.
Read more
Conveyancing
Solicitor quotes, searches, source of funds, mortgage offer, exchange and completion.
Read moreWant to check the numbers first? Use our mortgage calculator, review property buying costs and the Stamp Duty calculator or see government home-buying schemes.
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
What our clients say
"I highly recommend Mariusz Wasiluk (mortgage broker) and Magdalena Kurowska (insurance). We had great communication with them from start to finish. They explained everything clearly, were very helpful, and thanks to them the whole process was much less stressful. Great cooperation!"
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consultation.
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Extend Finance is a mortgage broker regulated by the Financial Conduct Authority. Our registration number is 792412 — you can verify this at register.fca.org.uk