Mortgages
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Types of mortgage borrower
From buying your first home to becoming a landlord, there are many reasons you may be looking for a mortgage. NerdWallet can help you find a mortgage that is suitable for you.
First-time buyer
If you’re taking your first step on the property ladder, you’ll usually need a first-time buyer mortgage.
Learn about being a first-time buyer
Remortgage
If you already have a mortgage but want to change it for a new deal, you are looking to remortgage.
Home mover
Moving home gives you the chance to weigh up your current mortgage deal and see if there is a better one for you elsewhere.
Learn about selling and buying a home at the same time
Buy-to-let
Whether you’re a landlord already or planning to buy your first rental property, a buy-to-let mortgage is what you need if you’re buying property to rent out to tenants.
Mortgage basics
Wherever you are on the property ladder, there are some mortgage basics that everyone needs to know about.
Fixed-rate mortgages
For peace of mind that your monthly repayments won’t change you need a fixed-rate mortgage.
Learn about fixed-rate mortgages
Tracker mortgages
Opting for a tracker mortgage means there’s potential for your monthly repayments to go down, but they could just as easily go up.
Loan-to-value
Your loan-to-value ratio, or LTV, has a key role in determining the mortgage rate you’re able to get.
Mortgage eligibility
Mortgage lenders need to check your finances and circumstances to work out if you’re well-placed to pay back any mortgage amount that you borrow.
Learn about mortgage eligibility
Stamp Duty
The Stamp Duty that you may need to pay when buying a property can significantly add to the cost of buying a home.
Mortgage advice
If you’re in any way unsure of your mortgage options, talking to a mortgage adviser may give you a better chance of finding the best mortgage deal for you.
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