A mortgage is a loan that helps you buy a property. You borrow money from a lender, like a bank or building society, and repay it monthly with interest over a set period, usually between 5 and 40 years.

You’ll usually need at least 5% to 10% of the property value. If you can put down a larger deposit, you may unlock better rates and more choice. A bigger deposit can also make your application stronger.

A mortgage broker compares lenders for you and helps match you with a mortgage that fits your circumstances. We also explain the process in plain English, help with paperwork, and keep things moving from start to finish.

Yes. You’ll get independent advice and access to a wide range of lenders, so we can look beyond one bank and focus on what suits your situation best. That gives you a broader choice and a more tailored result.