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 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.

Getting a mortgage with bad credit is likely to be more challenging, and may come with higher interest rates and more limited options.

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