A mortgage is a loan secured against a property. It allows you to buy a home or investment property by borrowing money from a lender, which you then repay over an agreed term. The loan is secured on the property, meaning if repayments are not maintained, the lender has the right to repossess the property.

For most buyers, the minimum deposit is usually 5% of the purchase price. In some cases, there are products available with a lower deposit requirement, but these are generally only suitable for the right customers who meet specific lender criteria.

In general, the larger your deposit, the more mortgage options you are likely to have, and you may also benefit from lower interest rates.

There are several types designed for different needs:

• First‑time buyer mortgages – tailored for those purchasing their first home.
• Home mover mortgages – for those relocating or upsizing/downsizing.
• Remortgages – switching your mortgage to a new deal, often to save money or release equity.
• Buy‑to‑let mortgages – for landlords purchasing rental properties.
• Self‑employed mortgages – designed for applicants with non‑traditional income.

Yes, there are lenders who specialise in these circumstances. However, approval depends on your financial situation, credit history, and affordability checks. We’ll explain your options clearly and help you understand what’s realistic.

Missing payments can damage your credit rating and may result in your home being repossessed. It’s important to only borrow what you can afford. We’ll always explain the risks and ensure you understand the terms before proceeding.