Mortgages
This content applies to England only.
Housing laws vary between England and Scotland. Get advice relating to Scotland
This section provides straightforward, unbiased information to help you make decisions.
The decisions you make about your mortgage are very important, so you may need one-to-one help. A financial adviser or mortgage broker can help you to understand all of the different options. Always check the Financial Services Authority (FSA) register to be sure that any financial adviser or broker that you use is authorised.
Shelter does not give advice on choosing mortgages and other financial products. However, we can help you if you have payment problems later on.
Applying for a mortgage
This page aims to help you work out how much you can realistically afford to borrow. Once you've done this, apply early. That way you can act quickly when you find a property you like. Read more
Problems getting a mortgage
If regular lenders won't give you a mortgage, a specialist lender may still be able to help you.
Choosing a mortgage
Shop around for a mortgage, and be sure to get good advice. Ask some key questions.
How mortgages work
The different repayment and interest options available. Information about joint mortgages, mortgage protection and mortgage standards.
Mortgage protection
Get more information on mortgage indemnity guarantees, mortgage protection insurance, and other types of insurance to cover your mortgage payments.
Changing mortgages
You may be able to switch to a different mortgage, or a different lender, to get a better deal.
Endowment shortfalls
If you your endowment policy may not cover your mortgage, you have two options.
Equity release schemes
Equity release schemes can give homeowners over-50 what is effectively a mortgage for life.
Complaints about lenders
How to complain to your lender and, if necessary, the Financial Ombudsman Service.
