Mortgage

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Looking for the best mortgage? You’re in the right place. This independently researched and written website is designed to guide you every step of the way. We’ve included all the information you need – whether you are a first-time buyer, whether you are moving up the housing ladder or whether you just want to re-mortgage on to a much better deal.

All you have to do is read on and answer our simple questions. But before we start it’s worth looking at just a three key facts that show how worthwhile the whole process will be. Once you’ve read them you’ll see why shopping around and getting the right deal really does make sense.

FACT ONE:
The wrong mortgage can cost you £1,860 a year more than it should. Banking insiders reckon that one borrower in four still pays their lender’s standard variable interest rate rather than a best-buy alternative. On a typical £125,000 mortgage this means that over the life of a loan you effectively pay more than £40,000 more than you need.

FACT TWO:
There really is a best mortgage for everyone. With some 8,500 different deals from over 100 lenders you can find a good rate, whatever your circumstances. Nowadays lenders can be found if you’ve had credit problems in the past, are newly self-employed, are buying with friends, buying overseas – the list could go on.

FACT THREE:
The right mortgage won’t just cost you less, it can help you live debt-free much sooner. In the past most people assumed their mortgages would last for 25 years. Now flexible features, early repayment terms and offset deals can bring this down dramatically. And every year that you shave off a typical mortgage term you save nearly £2,000 in monthly payments.

SO: Read on to get the best mortgage for you. Click on any option on the Rigth Hand Side and get the Mortgage you want.
Neil Simpson is a former Personal Finance Journalist of the Year and writes regularly on property, mortgage and insurance issues for the Mail on Sunday, City AM newspaper and many other publications.