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Mortgage Guides

Useful guides to help you understand the mortgage process.

Recent Posts

  • A guide to mortgage types
  • A guide to house surveys
  • Before taking out a mortgage
  • Before remortgaging your home
  • A guide to specialist mortgages
  • Should I invest or buy-to-let?

More mortgage guides +

Mortgage Calculators

Practical gadgets to make the mortgage process easy.

Recent Posts

  • How much can I borrow?
  • How much will it cost?
  • Overpayment Calculator
  • Buy-to-Let Mortgage Calculator
  • Loan-to-Value (LTV) Calculator
  • Mortgage Repayment Calculator

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  • Mortgage Best Buys

    Use our search to find the pick of the best mortgage deals.

  • Home Insurance

    Tailored insurance cover for your home and contents.

  • Conveyancing

    Expert legal help whether you are buying or remortgaging.

  • Life Insurance

    Protection for you and your family should the worst happen.

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iam insured, iam mortgages & iam financial are trading names of Upic Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority (Ref. 809669). For any information about Upic Financial Services or for a copy of Upic Financial Services Terms of Business please contact Upic Financial Services on 0800 009 6559 or at Unit 3, Venture Point, Stanney Mill Road, Little Stanney, Chester, CH2 4NE. Upic Financial Services Limited; registered in England and Wales, company registration number 11210343.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Calculating exactly how much you can borrow depends on a number of things, such as:

  • How much you spend each month on regular commitments
  • Whether you're paid a basic salary, a basic salary plus bonus, commission or overtime
  • If you're self employed
  • The amount of deposit you have
  • Your age and whether you are looking to borrow beyond your retirement date

One of the most important factors in determining how much you can borrow is the lender. Each lender has different criteria and as brokers who, last year successfully placed mortgages with 59 different lenders, we are perfectly placed to match the right lender to your borrowing requirements.