{"id":835,"date":"2024-05-03T17:00:04","date_gmt":"2024-05-03T16:00:04","guid":{"rendered":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/?page_id=835"},"modified":"2026-02-24T09:22:14","modified_gmt":"2026-02-24T09:22:14","slug":"how-to-get-a-mortgage","status":"publish","type":"page","link":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/","title":{"rendered":"How to get a mortgage"},"content":{"rendered":"<nav class=\"c-sub-nav my-5\" id=\"\">\n    <div class=\"c-sub-nav__list js-sub-nav-parent owl-carousel\">\n        <div class=\"c-sub-nav__item c-sub-nav__item--active\"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/\" class=\"c-sub-nav__item__link\">How to get a mortgage<\/a><\/div><div class=\"c-sub-nav__item \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/\" class=\"c-sub-nav__item__link\">Understanding your finances<\/a><\/div><div class=\"c-sub-nav__item \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/\" class=\"c-sub-nav__item__link\">Types of mortgages<\/a><\/div><div class=\"c-sub-nav__item \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-rates\/\" class=\"c-sub-nav__item__link\">Mortgage rates<\/a><\/div><div class=\"c-sub-nav__item \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/remortgage\/\" class=\"c-sub-nav__item__link\">Remortgage<\/a><\/div><div class=\"c-sub-nav__item \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/first-time-buyers\/\" class=\"c-sub-nav__item__link\">First-time buyers<\/a><\/div>    <\/div>\n    <div class=\"c-sub-nav__controls js-sub-nav-controls\">\n    <\/div>\n\n    <template class=\"js-sub-nav-control-prev\">\n        <span class=\"visually-hidden\">Scroll left<\/span>\n        <svg class=\"c-icon c-icon--chevron-line-left\"><use xlink:href=\"#icon-chevron-line-left\"><\/use><\/svg>    <\/template>\n    <template class=\"js-sub-nav-control-next\">\n        <span class=\"visually-hidden\">Scroll right<\/span>\n        <svg class=\"c-icon c-icon--chevron-line-right\"><use xlink:href=\"#icon-chevron-line-right\"><\/use><\/svg>    <\/template>\n<\/nav>\n\n\n<h2 id=\"getting-a-mortgage\" class=\"wp-block-heading\">Getting a mortgage<\/h2>\n\n\n<div class=\"my-4 my-md-5\" id=\"\">\n    <a class=\"c-card--primary c-card--dark c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/finding-and-choosing\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Finding-and-choosing-a-mortgage-resized-1024x683.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        Finding and choosing a mortgage    <\/div>\n    <div class=\"c-card__content\">\n        <p>Finding and choosing a mortgage can seem overwhelming, but there are easy ways to access regulated advice.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\"><svg class=\"c-icon c-icon--clock c-card__meta-icon\"><use xlink:href=\"#icon-clock\"><\/use><\/svg> 3 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>\n\n<div class=\"row g-4 my-5\" id=\"\">\n    <div class=\"col-12 col-md-6\"><a class=\"c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/types-of-mortgages\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Submitting-your-application-resized-1024x540.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        Understanding the different types of mortgages    <\/div>\n    <div class=\"c-card__content\">\n        <p>Take a look at the different types of mortgage products and rates.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\">4 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div><div class=\"col-12 col-md-6\"><a class=\"c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/submitting-mortgage-application\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Understanding-the-types-of-mortgages-new-resized-1024x683.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        Submitting your mortgage application    <\/div>\n    <div class=\"c-card__content\">\n        <p>Find out what documentation you&#8217;ll be asked to provide and what happens next.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\">5 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div><\/div>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/mortgage-in-principle\"\n   target=\"\"\n   class=\"my-5 c-calculator-module c-calculator-module--tall c-calculator-module--layout-1 c-calculator-module--light \" \n   data-module-admin-id=\"\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2023\/11\/Mortgage-Calculator_Medium.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Get a Mortgage in Principle<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><ul class=\"c-checklist\">\n<li>Find out how much you can borrow<\/li>\n<li>You could get property viewings faster<\/li>\n<li>Your credit rating won\u2019t be affected<\/li>\n<li>You\u2019ll be 1 step closer to a mortgage offer<\/li>\n<\/ul>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n\n\n<div class=\"my-4 my-md-5\" id=\"\">\n    <a class=\"c-card--primary c-card--dark c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/what-is-a-mortgage-term\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/What-are-mortgage-terms-resized-1024x683.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        What are mortgage terms and how do they work?    <\/div>\n    <div class=\"c-card__content\">\n        <p>A mortgage term refers to the number of years it will take to repay your loan, as well as the interest.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\"><svg class=\"c-icon c-icon--clock c-card__meta-icon\"><use xlink:href=\"#icon-clock\"><\/use><\/svg> 5 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>\n\n<div class=\"my-4 my-md-5\" id=\"\">\n    <a class=\"c-card--primary c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/decision\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Decision-mortgage-app-resized-1024x683.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        The decision about your mortgage application    <\/div>\n    <div class=\"c-card__content\">\n        <p>Already received an offer from your lender? Find out what happens now. Or, if your application was declined, here&#8217;s what you can do next.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\"><svg class=\"c-icon c-icon--clock c-card__meta-icon\"><use xlink:href=\"#icon-clock\"><\/use><\/svg> 4 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>\n\n<div class=\"my-4 my-md-5\" id=\"\">\n    <a class=\"c-card--primary c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/mortgage-broker-adviser\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/What-is-a-mortgage-broker-resized-1024x683.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        What is a mortgage broker or adviser?    <\/div>\n    <div class=\"c-card__content\">\n        <p>Mortgage brokers \u2013 also known as a mortgage advisers \u2013 can help you to find the best deal for you. They can also give you advice if you\u2019re remortgaging.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\"><svg class=\"c-icon c-icon--clock c-card__meta-icon\"><use xlink:href=\"#icon-clock\"><\/use><\/svg> 4 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>\n\n<div class=\"my-4 my-md-5\" id=\"\">\n    <a class=\"c-card--primary c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/lenders-valuation\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/What-to-expect-from-a-lenders-valuation-resized-1024x683.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        What to expect from the lender&#8217;s valuation    <\/div>\n    <div class=\"c-card__content\">\n        <p>A lender\u2019s valuation is specific to the property you\u2019re looking to buy. It\u2019s a survey that gives the lender an independent confirmation of the property\u2019s value.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\"><svg class=\"c-icon c-icon--clock c-card__meta-icon\"><use xlink:href=\"#icon-clock\"><\/use><\/svg> 4 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>\n\n<div class=\"my-4 my-md-5\" id=\"\">\n    <a class=\"c-card--primary c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/assessment\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/How-a-mortgage-lender-helps-resized-1024x683.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        How a mortgage adviser helps you during your mortgage interview    <\/div>\n    <div class=\"c-card__content\">\n        <p>A lender or a mortgage adviser will help you with your mortgage application to help establish what you can afford, without stretching yourself.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\"><svg class=\"c-icon c-icon--clock c-card__meta-icon\"><use xlink:href=\"#icon-clock\"><\/use><\/svg> 4 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>\n\n<div class=\"my-4 my-md-5\" id=\"\">\n    <a class=\"c-card--primary c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-broker-help-mortgage-declined\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/How-a-broker-helps-when-youve-been-declined-resized-e1716231243111-1024x575.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        How a broker can help if your application has been declined    <\/div>\n    <div class=\"c-card__content\">\n        <p>Being declined for a mortgage can feel really disappointing. But it doesn\u2019t mean you won\u2019t find a mortgage to suit you and your circumstances.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\"><svg class=\"c-icon c-icon--clock c-card__meta-icon\"><use xlink:href=\"#icon-clock\"><\/use><\/svg> 5 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>\n\n<div class=\"my-4 my-md-5\" id=\"\">\n    <a class=\"c-card--primary c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/reasons-for-mortgage-decline-property\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2025\/08\/ReasonsForMortgageDecline.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        Reasons a mortgage might be declined on a property    <\/div>\n    <div class=\"c-card__content\">\n        <p class=\"wp-block-heading\">We take a closer look at the reasons why a property might be declined by a mortgage lender.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\"><svg class=\"c-icon c-icon--clock c-card__meta-icon\"><use xlink:href=\"#icon-clock\"><\/use><\/svg> 12 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/mortgage-calculator\"\n   target=\"\"\n   class=\"my-5 c-calculator-module c-calculator-module--tall c-calculator-module--layout-1 c-calculator-module--light \" \n   data-module-admin-id=\"\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/doccalc.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Try our Mortgage Calculator<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><ul class=\"c-checklist\">\n<li>Understand your affordability<\/li>\n<li>See your monthly repayments<\/li>\n<li>Check how much you could borrow<\/li>\n<li>Find homes that match your budget<\/li>\n<\/ul>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n\n\n<div class=\"c-spotlight\" id=\"\">\n    <div class=\"c-spotlight__header\">\n                <div class=\"c-spotlight__legend\">Spotlight Guides<\/div>\n                <h2 id=\"mortgage-guides\" class=\"c-spotlight__title\">MORTGAGE GUIDES<\/h2>\n                <div class=\"c-spotlight__action\">\n            <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/\"\n               target=\"_self\"\n               class=\"c-spotlight__cta\">\n                <span class=\"visually-hidden\">Read more about: <\/span>\n                <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>            <\/a>\n        <\/div>\n            <\/div>\n\n        <div class=\"c-spotlight__body\">\n        <div class=\"row g-3\">\n            <div class=\"col-12 col-lg-4\"><a class=\"c-card--dark c-card--media-70 c-card--spotlight c-card\" href=\"https:\/\/www.rightmove.co.uk\/news\/articles\/property-news\/current-uk-mortgage-rates\/\" target=\"_blank\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/mortgage-rates-tracker-2-resized.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        What are the current UK mortgage rates?    <\/div>\n    <div class=\"c-card__content\">\n            <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\">MORTGAGE RATES<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div><div class=\"col-12 col-lg-4\"><a class=\"c-card--dark c-card--media-70 c-card--spotlight c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/mortgage-in-principle\/\" target=\"_blank\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Getting-your-MIP-resized-1024x683.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        Getting a Mortgage in Principle    <\/div>\n    <div class=\"c-card__content\">\n            <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\">MORTGAGE GUIDES<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div><div class=\"col-12 col-lg-4\"><a class=\"c-card--dark c-card--media-70 c-card--spotlight c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/types-of-mortgages\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Understanding-the-types-of-mortgages-new-resized-1024x683.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        What are the different types of mortgages?    <\/div>\n    <div class=\"c-card__content\">\n            <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\">MORTGAGE TYPES<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>        <\/div>\n    <\/div>\n    <\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Please note: Your home may be repossessed if you do not keep up repayments on the mortgage. Rightmove is not authorised to give financial advice; the information and opinions provided in these articles are not intended to be financial advice and should not be relied upon when making financial decisions. Please seek advice from a regulated mortgage adviser.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Getting a mortgage Please note: Your home may be repossessed if you do not keep up repayments on the mortgage. Rightmove is not authorised to give financial advice; the information and opinions provided in these articles are not intended to be financial advice and should not be relied upon when making financial decisions. Please seek [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1287,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","author_profile":""},"class_list":["post-835","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":{"author_profile":[]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to get a mortgage - Rightmove<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to get a mortgage - Rightmove\" \/>\n<meta property=\"og:description\" content=\"Getting a mortgage Please note: Your home may be repossessed if you do not keep up repayments on the mortgage. 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