Your online mortgage finder

If you're buying a home for yourself or making a new buy to let investment, select 'I'm looking to buy'. If you're not making a new purchase, but would like to see current mortgage options for a property you already own, select 'I'm remortgaging'

If you're over 55 and a homeowner we can help you with a range of options

If you're making a new purchase, enter the market price or the amount you have been offered and accepted. If you're remortgaging and have had a valuation from a surveyor or estate agent within the last six months, use that figure. The more accurate the value, the more appropriate your mortgage selections will be

The mortgage amount is the total amount you wish to borrow from a lender. If you're buying, this will be the difference between the purchase price and the amount you have in deposit funds. You can generally borrow a maximum of 95% of the property value to live in. If it's a buy to let purchase, many lenders will offer a maximum 85% loan to value (LTV)

If you're remortgaging, enter the outstanding balance of your current mortgage. If you want to release any additional funds, add that amount. Note that the typical maximum of 95% LTV could still apply

A mortgage term is the number of years over which you agree to make payments to the lender. For a repayment mortgage, the longer the mortgage term, the lower the monthly payments will be, but the more interest you'll pay overall. Mortgage terms are typically 25 or more years, but can be less. By the end of the term, the mortage will be paid off and you'll own the property outright

If you have an interest-only mortgage, the interest will be paid off by the end of the term, but at that point you'll have to repay the original capital

It's essential that a lender knows whether the property being mortgaged is your own home or a rental property, as the risk and lending criteria are different for each. Lending to a homeowner is considered relatively low risk, so the maximum you can borrow tends to be high and the interest rates can be lower than for buy to let. If you're renting a property out, you will need a specialist buy to let mortgage.

Be aware that if you let a property on a standard residential mortgage without informing your lender, you could be in breach of the terms of your mortgage and your lender could require you to immediately repay the entire outstanding mortgage balance.

Please include all forms of income, ie:

Please include all forms of income, ie: