Almost everyone who buys their own home gets a mortgage to pay for it. This section covers the things you should consider when getting a mortgage and how common problems can be dealt with.

There are many different types of mortgages, and it's important to understand how they work so you can choose one that suits your needs. If you think you've chosen the wrong mortgage, it may be possible to switch to a new one. If you have problems making your monthly repayments it's important to take action as quickly as possible, or you could risk losing your home.

If you are having difficulty paying your mortgage, you can get free independent advice from a Shelter advice centre, Citizens Advice or other advice centre. Use the Advice Services Directory to find one in your area.

Housing laws differ between Scotland and England
This content applies to Scotland only
Get advice if you're in England

  • Introduction to mortgages

    A mortgage is a loan secured on a property. Mortgages are a common way of buying a home. Check the main points you'll need to think about before getting a mortgage.

  • Getting a mortgage

    What you should consider when choosing a mortgage, how to apply for a mortgage and how mortgages work.

  • Endowment shortfalls

    If you have been told that your endowment policy may not cover the outstanding capital at the end of your interest only mortgage term, you may be able to make a complaint and get compensation.

  • Changing your mortgage

    If you already have a mortgage, you may want to switch to a different mortgage or a different lender to get a better deal. Find out how to transfer your mortgage if you are moving

  • Mortgage complaints

    If you think you have been treated unfairly by a mortgage broker or mortgage lender, you may want to complain. This includes you if you think you have been discriminated against.

Speak to a Shelter Scotland adviser

Call Shelter Scotland's free housing advice helpline

0808 800 4444
9am-5pm, Monday to Friday

Email an adviser

You can also email a housing adviser. We aim to respond within three working days.

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