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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Authorised and regulated by the FCA · No. 792412
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.
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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 tenants and eligible public sector tenants checking discount, mortgage and RTB1 steps.
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Right to Acquire
For eligible housing association tenants or selected public sector tenants checking RTA1 and mortgage options.
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Self-employed mortgage
Mortgage guidance for sole traders, contractors, freelancers and Ltd directors.
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Debt consolidation
When consolidation through mortgage, remortgage or second charge may be considered and what risks to check.
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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.
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Bad credit mortgage
Mortgage options with adverse credit, CCJs, defaults, missed payments, payday loans or limited credit history.
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Home Survey
Home Survey, valuation, HomeBuyer Report and Building Survey. Check which report may suit the property.
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Conveyancing
Solicitor quotes, searches, source of funds, mortgage offer, exchange and completion.
Read more ->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
"Bardzo polecam Mariusza Wasiluka (broker kredytowy) i Magdalenę Kurowską (ubezpieczenia). Mieliśmy z nimi świetny kontakt od początku do końca. Wszystko jasno tłumaczyli, byli mega pomocni i dzięki nim cały proces był dużo mniej stresujący. Super współpraca!"
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Extend Finance is an authorised mortgage broker regulated by the Financial Conduct Authority (FCA). Our registration number is 792412 — you can verify this at register.fca.org.uk