FAQ

Your Mortgage Questions Answered

Clear answers to the questions we are asked most often about borrowing, deposits, applications and protection.

Frequently Asked

General

Frequently Asked

First-Time Buyers

Frequently Asked

Home Movers

Frequently Asked

Remortgages

Frequently Asked

Self-Employed Mortgages

Frequently Asked

Life Insurance

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Important Information

The answers above are general information and do not constitute a personalised recommendation.

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

Your Mortgage Questions Answered

General

How much can I borrow?

How much deposit do I need?

What is Loan-to-Value?

What is an Agreement in Principle?

How long does a mortgage application take?

First-Time Buyers

Can you help me if I have never had a mortgage before?

What costs should I budget for besides my deposit?

Do I need an Agreement in Principle before viewing properties?

Home Movers

Can I take my existing mortgage with me?

What happens if my new home costs more?

What is a property chain?

Remortgages

When should I review my mortgage?

What happens when my fixed-rate deal ends?

Can I remortgage to fund home improvements?

What is a product transfer?

Self-Employed Mortgages

Can self-employed people get a mortgage?

What is an SA302?

What documents might I need?

Do all lenders assess self-employed income in the same way?

Life Insurance

Why might I consider life insurance?

How much life insurance do I need?

Can life insurance be arranged alongside my mortgage?

Still Have A Question?

Important Information