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 need housing advice, contact us for free.

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.

How to get a mortgage in Scotland

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 home.

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.

Last updated: 16 February 2018

Housing laws differ between Scotland and England.

This content applies to Scotland only.

Get advice if you're in England