When will the base rate change?
No one can be sure when the Bank of England will change the base rate and alter the cost of your mortgage. If you want security, consider remortgaging to a fixed rateFelicity Hannah, journalist
Protecting your home
If you're worried about how you'd repay your mortgage if you couldn't work, you can take out insurance. Compare policies on our mortgage payment protection insurance pageFelicity Hannah, journalist
Should I rent or buy a property?
The cost of stepping on or moving up the housing ladder can be a big barrier for many, but the long-term benefits hugely exceed the initial expense. Not only will you save money by becoming an owner-occupier, but you will also own a substantial asset once your mortgage is paid off, providing financial security for your old ageAndy Gray, Barclays head of mortgages
Take care of your credit rating
When you apply for a mortgage, the lender will have full access to your credit report. This can include details of any loans or credit you've applied for... The payday loans market has grown hugely in recent years and so mortgage lenders are bound to be keeping a close eye on it as the amount of payment data growsJames Cotton, mortgages expert at London & Country
Need some help with mortgages?
Sometimes it's just easier to speak to a real, live human. Ring 0844 409 9724 and one of L&C's expert advisers will give you free, no-obligation advice**Felicity Hannah, journalist
Why choose Gocompare.com's mortgage comparison service?
We've partnered with London & Country (L&C) to help you compare rates and deals from across the whole UK mortgage market. L&C is the largest no-fee mortgage broker in the UK and has won awards for its outstanding and independent advice. That means you can be confident you'll get the right mortgage. Use the site to compare thousands of mortgage deals, including exclusives you can't get anywhere else.
A mortgage is possibly the most important purchase you will ever make - read our guides to help make the right choice
If you click through, you can try our mortgage calculators to help you find out how much you will be able to borrow, and what the total cost of the mortgage will be. Our easy-to-understand comparison table offers you the option of looking at fixed rate, variable rate or buy-to-let mortgages and will show you the key components of each deal. These include the mortgage rate, how long any introductory rate lasts, the maximum loan to value (LTV), arrangement fees, whether there are any early repayment charges and if there are any additional benefits.
If you're still not clear you can speak to one of L&C's expert advisers by requesting a call back, or by phoning 0844 409 9724.** Should you be happy to proceed with your enquiry online, a simple form will ask for your basic contact information and for you to select a convenient time to take a call from L&C.
Taking out a mortgage is a big step, and for many it's a step into the unknown. To help get your head around all the options, read our mortgage guides where you'll also find our frequently asked questions on mortgages.
In our guides you'll find dedicated pages on mortgages for first-time buyers, buy-to-let, remortgages, self-build mortgages, and options for those looking for 100% or other low-deposit deals. There's also a wealth of information on aspects of mortgages and house buying such as how much you can borrow, deposits, different types of deal, who provides advice, fees, legal requirements, surveys and stamp duty.
When you have your mortgage in place there's lots more you'll have to consider, and our guides can tell you more about areas such as negative equity and what to do if you have trouble meeting payments. Learn about buildings insurance - a necessity if you have a mortgage - plus other products you may want to think about, such as life insurance, critical illness cover, payment protection insurance and mortgage protection insurance.
Did you know…?
- Just 10% of UK consumers with mortgages switched mortgage provider in 2012***
- Homeowners could save as much as £194,000 over renters in the course of 50 years****