Buying a home is one of the biggest and most expensive events in a person’s life. However, property is very expensive, so it is very rare that someone can afford to buy a home outright. They need a mortgage.

Whether you’re a first time buyer, or looking to move house, the information linked below will help you on the path to becoming a home owner.
Repayment Options

Repayment Options

Once you’ve secured a mortgage and paid the fees that are needed during set up, you can begin to pay off the mortgage itself.
How Lenders Assess Borrowers?

How Lenders Assess Borrowers?

Each mortgage is a risk for the lender, and they have to assess that risk and see if it is worth lending out the money.

Variable rate mortgage

Variable Rate Mortgage

discount buy to let

Discount Mortgage

Fixed Rate Mortgage

Fixed Rate Mortgage

Right to buy mortgage discounts

Capped Rate Mortgage

Tracker Mortgage

Tracker Mortgage

Offset Mortgage

Offset Mortgage

Mortgage Calculator

Whether you're a first-time buyer or already a property owner did you know you could buy a new home with a small deposit of 5%, with a government Help to Buy loan.

How Help to Buy Equity Loans Work?

  • First time buyers and those already on the property ladder can apply.
  • To qualify a 5% deposit is required.
  • A 75% mortgage must be secured from your bank or building society.
  • The remaining 20% of the property’s value is funded by an equity loan provided by the Government.
  • House prices can’t be more than £600,000 in England and £300,000 in Wales.

House Price





Min (5% of house price)£2,500


Max (30% of house price)£15,000

Interest Rate





Min25 Years

30 Years

Max35 Years

This calculator is provided to give you basic guidance only. This information is computer-generated and relies on certain assumptions. It has only been designed to give a useful general indication of costs. Its important you always get a specific quote from the lender and double-check the price yourself before acting on the information. We cannot accept responsibility for any errorsand recommend that you obtain exact figures from a specific lender before committing to any mortgage.

Without Help to Buy

Your deposit£2,5005%
Your mortgage£47,50095%
Monthly Payment£213.30 

With Help to Buy

Your deposit£2,5005%
Help to Buy Loan£10,00020%
Your mortgage£37,50075%
Monthly Payment£168.39