Buying or refinancing a home is one of the biggest financial commitments you’ll make, and choosing the right mortgage is vital. At Mortgages Check, we provide whole-of-market advice to help you secure the right deal for your needs. Whether you’re a first-time buyer, moving home, remortgaging, or exploring affordable housing schemes, we’re here to simplify the process. With clear guidance and access to a wide range of lenders, we support you every step of the way.

First Time Buyer Mortgages 

Getting onto the property ladder can feel overwhelming, especially with so many mortgage products and criteria to consider. At Mortgages Check, we work with first-time buyers to make the process as straightforward as possible. Our advisers explain everything clearly, from deposit requirements to the types of mortgages available, so you can make confident decisions.

We compare deals from a wide range of lenders, looking at factors such as:

• Competitive interest rates

• Flexible repayment options

• Low-deposit mortgages (including 95% LTV where available)

• Schemes designed to support first-time buyers

In addition to securing the right mortgage, we’ll help you understand other costs involved, such as legal fees, stamp duty (if applicable), and insurance. Our goal is to ensure you start your homeownership journey with confidence and financial clarity.

Home Mover Mortgages 

If you’re moving home, you’ll need to decide whether to take your existing mortgage with you (porting) or arrange a new one. Mortgages Check provides guidance to help you find the most suitable option based on your circumstances.

We’ll review your current deal and explore whether switching could save you money or provide more flexibility. Key considerations include:

• Porting your current mortgage versus arranging a new deal

• Affordability checks for your new property

• Fees for ending your existing mortgage early

• Access to better rates or features with a new lender

Moving can be stressful, but with our support, you’ll have one less thing to worry about. We’ll handle the mortgage details, liaise with lenders, and guide you through the process so you can focus on your new home.

Remortgage (Including Product Transfers, Rate Switching)

Remortgaging is an important step for many homeowners, whether it’s to secure a better rate, release equity, or switch to a deal that better fits your needs. At Mortgages Check, we make the process clear and straightforward.

Reasons to remortgage include:

• Your current fixed deal is ending, and you want to avoid moving to a higher standard variable rate

• You’d like to release equity for home improvements, debt consolidation, or other financial goals

• You want to secure a lower monthly payment or a more flexible product

We’ll compare deals across the market and discuss whether a product transfer or rate switch with your existing lender may be more suitable. By weighing up all your options, we ensure you’re not paying more than you need to.

Shared Ownership 

Shared ownership offers a way onto the property ladder for those who may not be able to buy outright. It allows you to purchase a share of a property (usually between 25% and 75%) and pay rent on the remaining share.

Mortgages Check provides tailored advice to help you understand how shared ownership works and whether it’s the right option for you. We’ll explore:

• Eligibility requirements

• Minimum deposit and affordability checks

• Mortgage products designed specifically for shared ownership

• The process of “staircasing” (increasing your share of ownership over time)

Shared ownership can be a great stepping stone into full homeownership. We’ll guide you through the process, explain the pros and cons, and help you secure a mortgage that fits your circumstances.

Help to Buy / Affordable Housing Schemes 

Government-backed schemes, such as Help to Buy (where still available) and other affordable housing initiatives, are designed to make homeownership more accessible. Mortgages Check can help you understand what options are available in your area and whether you qualify.

We provide guidance on:

• Equity loan schemes (subject to regional availability)

• First Homes scheme for eligible buyers

• Local housing association or council-led initiatives

• Deposit and lending requirements under each scheme

These schemes can reduce the financial barriers to buying a home, but they often come with specific rules and restrictions. Our advisers ensure you fully understand the terms, so you can make an informed choice about whether affordable housing schemes are right for you.

New Build Mortgages 

Buying a new build property often comes with unique challenges, from tight deadlines on mortgage offers to developer incentives. Mortgages Check specialises in helping clients secure mortgages that meet these requirements.

Key considerations include:

• Lenders’ policies on new build properties (especially flats)

• Mortgage offer expiry times and possible extensions

• Using government schemes like Shared Ownership or First Homes for new builds

• Assessing developer incentives and how they affect affordability checks

We’ll guide you through every stage, ensuring your mortgage is approved within the necessary timeframe and on terms that suit you. Whether you’re a first-time buyer or moving to a brand-new property, we’ll make the process smoother and less stressful.