★★★★★ 1,650 Feefo reviews · Exceptional Service Award 2026
★★★★★ 1,650 Feefo reviews · Exceptional Service Award 2026
Home of Mortgages finds a mortgage that fits your first home, your next move or your rental property. We search the market, explain your options and handle the paperwork through to completion.
Same day advice. You will not have to wait to know your numbers.
Whole of the market. We search our full panel of 150+ lenders to find the lender to meet your circumstances.
Proactive communication. We keep you updated before you need to ask.
Buying your first home? We find your first mortgage and keep you updated until you get your keys.
First time buyer mortgages
Our specialism. Mortgages for first time landlords, portfolio landlords and limited companies.
Buy to let mortgages
Moving home? We look at porting your current mortgage or finding you a new deal.
Home mover mortgages
Deal ending soon? We find your next rate before you move onto your lender's standard variable rate.
RemortgagesEvery mortgage rate is either fixed or variable.
A fixed rate mortgage keeps your interest rate the same for a set period, usually two to five years. Your monthly payment stays the same, so budgeting is simple.
A tracker mortgage follows the Bank of England base rate plus a set margin. When the base rate moves, your payment moves with it.
A discount mortgage takes a set amount off the lender's standard variable rate for an agreed period.
When any deal ends, your mortgage moves onto the lender's standard variable rate, which is usually higher. Our Rate Track service watches your rate and contacts you before your deal ends, so you can remortgage in good time.
Stays the same for a set period, usually two to five years.
Stays the same for the length of the deal, so budgeting is simple.
Follows the Bank of England base rate plus a set margin.
Moves up or down when the base rate moves.
A set amount off the lender's standard variable rate for an agreed period.
Can change if the lender changes its standard variable rate.
Set by your lender. Your mortgage moves onto it when any deal ends.
Usually higher than a deal rate. Rate Track contacts you before your deal ends.
For illustration only. The rates and products available to you depend on your circumstances and are subject to lender criteria.
With a repayment mortgage, each monthly payment covers the interest and part of the loan. By the end of the term, your mortgage is paid off.
With an interest only mortgage, you pay the interest each month and repay the loan at the end of the term. Monthly payments are lower, and lenders ask for a clear plan to repay the loan, such as selling a property.
Interest only is common with buy to let mortgages, because it keeps monthly costs low against the rental income.
Compare the monthly cost of each with our mortgage repayment calculator, then get started and we will run your numbers the same day.
The interest and part of the loan.
The interest only.
Higher, because you are also paying off the loan.
Lower.
Your mortgage is paid off.
You repay the loan in full.
Proof you can afford the monthly payments.
Proof you can afford the payments, plus a clear plan to repay the loan, such as selling a property.
For illustration only. Whether repayment or interest only suits you depends on your circumstances and is subject to lender criteria.
An offset mortgage links your savings to your mortgage. You pay interest on your mortgage balance minus your savings.
Instead of earning interest, your savings reduce the interest you pay on your mortgage. You can still use your savings when you need them.
Offset mortgages work well for buyers with savings, such as self employed buyers who set money aside for tax. Get started and Home of Mortgages will compare an offset deal with a standard deal for you the same day.
No obligation to proceed. Read our Fee Disclosure for details.
From application to completion, we do the calls and the paperwork.
Included with every application.
We watch your lender's rates and contact you before your deal ends.
A mortgage is a loan to buy a property, secured against that property. You repay it monthly over an agreed term, often 25 years or more.
Get started by requesting a free chat with Home of Mortgages. We then check what you can afford, arrange your mortgage in principle, find your lender and handle the application through to completion. For a quick idea of your budget first, use our mortgage affordability calculator.
Most last between 60 and 90 days, depending on the lender. If yours runs out before you find a home, Home of Mortgages will arrange a new one.
Yes. Some lenders accept applicants with missed payments, defaults or CCJs, subject to lender criteria. Home of Mortgages knows which lenders to approach for your situation.
A mortgage in principle is a statement from a lender showing how much it could lend you, based on the information provided. Estate agents often ask for one before they accept your offer.
It is not a legal requirement, and most residential lenders do not insist on it. Life insurance can pay off your mortgage if you die, so many buyers take it out. Every Home of Mortgages application includes a Free Insurance Review.
Most applications take two to four weeks from submission to mortgage offer, depending on the lender and the property valuation. Home of Mortgages keeps your application moving and updates you at every stage.
Yes. Some lenders accept certain benefits as income, such as Child Benefit, Universal Credit or disability benefits, subject to lender criteria.
Book a free, no obligation chat with a specialist advisor.
Same day advice, even on the tricky cases.
The Home Group
Specialist advice across your whole property journey, from one trusted group of experts.
Your home may be repossessed if you do not keep up repayments on your mortgage.
