Applying for a mortgage

Learn all about applying for a mortgage

Applying for a mortgage is likely to be one of the biggest financial commitments you ever make, so you’ll want to make sure you get it right.

If you’re looking for mortgage advice, you can speak to a Rest Less Mortgages advisor and get high quality advice** on standard, retirement interest-only and buy-to-let mortgages.

How to apply for a mortgage

Applying for a mortgage doesn’t have to be complicated, but it really helps to prepare all the information lenders will need to see in advance. Here’s what you need to know.

If you’re looking at which mortgage rates are available today or you want an idea of the sort of mortgage you might be able to afford – take a look at our free mortgage rates comparison calculator. Enter a few basic details to compare deals available from the whole of the market today. Update your options as you go, if you’d like to try out a few different scenarios…

Buying a property, whether it’s going to be your home or a property you let out, can be daunting, and many of us worry about making the wrong decision. These articles aim to help guide you through the process.

Getting a mortgage

You don’t have to wait until you’ve found a property you want to buy before you start thinking about your mortgage. Planning ahead can help speed things along and show sellers that you’re serious about buying, and allow you to identify whether there might be any stumbling blocks. 

Get an idea of how much you can borrow based on your income and outgoings with the help of our mortgage affordability calculator.

Mortgages fees and costs

It’s easy to be swayed by low headline mortgage rates when you’re looking for a mortgage, but it’s vital to work out the overall cost of any deal, including any arrangement fees or other costs, before deciding which one to go for.

Get expert mortgage advice**

If you’d like to talk to someone about your mortgage, you can get high quality advice on standard, retirement interest-only and buy-to-let mortgages from a Rest Less Mortgages advisor.

Get expert mortgage advice**

Head over to our money community forum and ask a question, or see what other Rest Less members are posting.

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