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Getting a mortgage

In the previous section you went through all the costs associated with the purchase and ongoing running costs of owning a home to establish how much you could afford.

Now is the time to seek professional advice from a mortgage adviser to start the application process. Make an appointment with our partners, Embrace Financial Services to get advice on the most suitable mortgage and insurance products for you.

Read the guide to mortgage rates which outlines the different types of mortgage products.

Allow two to three hours for the mortgage appointment. The adviser will first establish your ability to afford the monthly mortgage payments.

From time to time Embrace Financial Services have access to exclusive deals.† Usually the advisers will then help you to obtain a 'Decision in Principle' from a suitable lender, which will give you the confidence to start looking for a property.

† Exclusive deals are made available to Embrace Financial Services by PRIMIS Mortgage Network, to which Embrace Financial Services are an Appointed Representative.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Embrace Financial Services usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.