Whatever you are buying — your first home, a rental property, business premises or a development — there is a mortgage for it, and a lender who will consider it. Explore the options below, then get your specific circumstances checked against the whole market.
A mortgage is not one product but many. The right one depends on what you are buying, how you hold it and your circumstances — and the differences matter, because a lender that is perfect for one situation will decline another outright.
Residential mortgages are for a home you will live in, and are regulated by the Financial Conduct Authority. Buy-to-let mortgages are for property you rent out, assessed mainly on the rental income rather than your salary. Commercial mortgages fund premises a business trades from or holds as an investment, and bridging and development finance covers short-term needs where a standard mortgage cannot move quickly enough.
Below, every option we cover is grouped by family. Each links to a full guide with current availability and the questions a lender will ask — and from any of them you can get a qualified adviser to check your situation against the whole market, with no credit footprint.
Residential mortgages are regulated by the Financial Conduct Authority.
Compare first-time buyer mortgages from across the UK market, including lenders that accept gifted deposits, smaller deposits and...
See your options →Moving house means porting your existing deal or taking a new one. Compare both routes across the whole market before you commit.
See your options →Compare remortgage rates from 97 UK lenders. Switching at the end of your fixed period usually beats moving to your lender's stand...
See your options →A product transfer keeps you with your current lender on a new rate. It is quicker than remortgaging but is not always the cheapes...
See your options →Buy a share of a property from a housing association and pay rent on the rest. A smaller group of lenders operate in this market a...
See your options →Buy your council or housing association home at a discount. The discount usually counts as your deposit, but not every lender acce...
See your options →New build purchases have their own criteria — offer validity periods, maximum loan to value on flats, and builder incentives that...
See your options →Staged funding released as the build progresses, either in arrears or in advance. A specialist market with a small number of activ...
See your options →A parent or relative supports the mortgage on income without going on the title deeds, which can avoid the additional stamp duty s...
See your options →Borrow more against your home when you remortgage — for home improvements, a deposit on another property, or other approved purpos...
See your options →A second loan secured against your home alongside your existing mortgage. Sometimes cheaper than remortgaging if you are on a good...
See your options →Link your savings to your mortgage to reduce the interest charged. Useful for higher-rate taxpayers and people with variable incom...
See your options →Lenders assess self-employed income very differently — some use one year of accounts, some use an average of two or three, and som...
See your options →Day-rate contractors can often borrow based on their contract rate rather than historic accounts, which usually means a higher bor...
See your options →Defaults, CCJs, missed payments and discharged bankruptcies do not rule out a mortgage. Specialist lenders price by how recent and...
See your options →Mortgages for older borrowers, including retirement interest-only where you pay the interest each month and the capital is repaid...
See your options →UK property finance for borrowers living abroad or without permanent residency. A smaller market with specific residency and incom...
See your options →Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
The traditional route. Simple to arrange, but Section 24 means higher-rate taxpayers can no longer offset mortgage interest agains...
See your options →Holding property through an SPV lets the company treat mortgage interest as a business expense. Rates are typically higher than pe...
See your options →Four or more mortgaged buy-to-let properties makes you a portfolio landlord, which triggers additional underwriting on the whole p...
See your options →Some lenders require you to already own a home, or to have been a landlord before. Others will lend to genuine first-time landlord...
See your options →Keep your current home and let it out while buying a new one to live in. Two mortgages arranged simultaneously — a buy to let on t...
See your options →Permission from your existing residential lender to let your home temporarily, without switching to a buy-to-let mortgage.
See your options →Houses in multiple occupation generate higher yields and need a specialist lender. Licensing, room counts and article 4 directions...
See your options →Several self-contained flats under a single freehold title, financed on one mortgage. A specialist product with a limited lender p...
See your options →Short-term and holiday letting is assessed on projected seasonal income rather than a standard assured shorthold tenancy, which na...
See your options →Properties let to students, often on a room-by-room basis. Frequently overlaps with HMO criteria and licensing.
See your options →Ex-council houses and flats are lendable but criteria vary sharply — particularly on flats above a certain number of storeys or wi...
See your options →A flat over a shop, restaurant or takeaway is treated as higher risk. Some lenders decline outright, others price for it.
See your options →Commercial mortgages are not regulated by the Financial Conduct Authority.
Finance for premises your business will trade from. Lenders assess the strength of the business as much as the value of the buildi...
See your options →Finance for commercial property you will let to a tenant. Underwriting focuses on the lease, the covenant strength of the tenant a...
See your options →Mixed-use property such as a shop with flats above. Often priced better than pure commercial because of the residential element.
See your options →Buying commercial property inside a pension scheme. Only commercial property qualifies, and the lending rules differ from ordinary...
See your options →Refinance existing commercial borrowing to reduce the rate, release equity or restructure the debt.
See your options →Finance for shops, offices and professional premises, whether owner-occupied or held as an investment.
See your options →Units, warehouses and light industrial premises. Generally well supported by lenders where the covenant is strong.
See your options →Specialist trading-business finance where the valuation reflects the business as a going concern, not just the bricks and mortar.
See your options →Trading businesses assessed on accounts, occupancy and seasonality as well as the property itself.
See your options →Licensed trade finance. Lenders look closely at trading history, tied or free-of-tie status and the operator's experience.
See your options →Farmland, agricultural buildings and diversified rural businesses. Long terms and specialist valuation.
See your options →Funding for plant, machinery, vehicles and equipment, secured on the asset rather than property.
See your options →Some bridging finance is not regulated by the Financial Conduct Authority.
Short-term finance secured against a property you live in or intend to live in. Regulated by the FCA because it is secured on your...
See your options →Short-term finance secured on investment or commercial property. Faster and more flexible than regulated bridging, with no FCA pro...
See your options →Funding arranged to meet a 28-day auction completion deadline, where a standard mortgage could not complete in time.
See your options →Short-term borrowing that lets you complete on a purchase before your existing sale goes through.
See your options →Finance based on the true open market value rather than the discounted purchase price, where a genuine BMV opportunity exists.
See your options →Funding for cosmetic works that do not require planning permission or building regulations — typically kitchens, bathrooms and dec...
See your options →Funding for structural works, extensions, conversions and change of use, where planning or building regulations are involved.
See your options →Staged funding for new build schemes, released against a quantity surveyor's valuation as the build progresses.
See your options →Refinances a completed development onto a cheaper rate while the units are sold, replacing more expensive development debt.
See your options →Additional funding that sits behind the senior debt, increasing total leverage on a development in exchange for a higher return to...
See your options →That is exactly what an adviser is for. Tell us what you are trying to do and we will point you to the right kind of mortgage — and the lenders most likely to say yes.
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