How to get a mortgage

Already received an offer from your lender? Find out what happens now. Or, if your application was declined, here’s what you can do next.

Mortgage brokers – also known as a mortgage advisers – can help you to find the best deal for you. They can also give you advice if you’re remortgaging.

A lender’s valuation is specific to the property you’re looking to buy. It’s a survey that gives the lender an independent confirmation of the property’s value.

A lender or a mortgage adviser will help you with your mortgage application to help establish what you can afford, without stretching yourself.

Being declined for a mortgage can feel really disappointing. But it doesn’t mean you won’t find a mortgage to suit you and your circumstances.

We take a closer look at the reasons why a property might be declined by a mortgage lender.