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A mortgage is a loan secured against the value of your home and when applying for a mortgage, you can usually borrow up to three times your annual income or two and a half times your joint income although many lenders now use affordability.

There are many different types of mortgage to choose from including fixed rate mortgages and bank base rate tracker mortgages.

Mortgage guide

Our introduction to mortgages is a good starting point if you're looking to buy your first property. It explains how a mortgage works, how much you can borrow and how much a mortgage is likely to cost.

Read our guide to mortgages >>

Fixed vs variable rate mortgages

Whether you choose a variable or fixed rate mortgage will depend on your circumstances. It's unwise to base your decision solely on factors such as the initial cost and this guide will introduce some considerations to make when choosing which type of mortgage suits your requirements.

Read our guide to fixed and variable rate mortgages >>


Remortgaging is the process of moving your mortgage to a new lender, usually with the aim of lowering your monthly repayments or raising money for home improvements. Our guide to remortgaging outlines the key considerations to make when remortgaging.

Read our guide to remortgaging >>