How much deposit do I need for a mortgage in the UK?

Minimum 5% for most mortgages, though 10-15% unlocks better rates. First-time buyers can use Help to Buy schemes. Buy-to-let typically requires 25%. Larger deposits mean lower monthly payments and more lender options.

Should I use a mortgage adviser or go direct to a bank?

Advisers search 100+ lenders to find your best deal, while banks only offer their own products. Advisers are especially valuable for complex cases like self-employed, bad credit, or unusual income. Many advisers offer free initial consultations.

How long does it take to get a mortgage approved?

Agreement in Principle takes 24-48 hours. Full approval typically takes 2-4 weeks from application. The entire process from application to completion usually takes 4-8 weeks depending on property chain complexity.

Can I get a mortgage with bad credit?

Yes, specialist lenders consider adverse credit including CCJs, defaults, missed payments, IVAs, and bankruptcy. Rates are higher but improve as credit history recovers. A whole-of-market adviser can access lenders mainstream banks don't offer.

What is the difference between fixed and variable rate mortgages?

Fixed rates lock your interest for 2-10 years—payments stay the same regardless of Bank of England changes. Variable/tracker rates move with the base rate—cheaper when rates fall, more expensive when they rise.

Mortgage Solutions for Every Situation

Last reviewed: December 2025

At Your Home Finance, we understand that looking for a mortgage can be daunting. Our expert advisers make the process straightforward and stress-free, with access to the whole market to find the perfect solution for you.

What types of mortgages are available in the UK?

UK mortgages include fixed-rate (2-10 year locked interest), tracker (follows Bank of England base rate), and standard variable rate options. First-time buyers need 5% minimum deposit. Remortgaging lets you switch to better rates at term end. Specialist lenders help those with bad credit, self-employment, complex income, or non-standard properties like flats above shops.

We compare 100+ lenders to find your best mortgage deal.

What types of mortgages are available in the UK?

UK mortgages include fixed-rate (locked interest for 2-10 years), tracker (follows Bank of England base rate), and variable rate. Options exist for first-time buyers (5% deposit), remortgaging, buy-to-let investors, and self-employed borrowers. Specialist mortgages help those with bad credit, complex income, or non-standard properties.

Jay Sabine

CeMAP Qualified

29 Years Experience

Content reviewed: 13 January 2026

Our Specialist Expertise

When Others Say No, We Say Let's Talk

We specialise in complex cases that mainstream lenders often decline

Adverse Credit Mortgages

CCJs, defaults, missed payments, IVAs, or bankruptcy? We work with specialist lenders who look beyond credit scores.

Specialist lenders for adverse credit
Expert guidance on improving approval chances
Remortgage to better rates after rebuilding credit

Self-Employed Mortgages

Contractors, directors, sole traders, freelancers—we understand your income and know which lenders value your business.

Flexible account requirements (1-3 years)
Maximise income calculations for best borrowing
Same rates as employed once approved

Declined Elsewhere?

Been refused by other lenders? One lender's "no" doesn't mean you can't get a mortgage. We specialise in second chances.

Understand why you were declined
Match you to the right lender first time
Avoid damaging your credit with more declines

Popular

Professional & Key Worker Mortgages

As a professional or key worker, you may be eligible for exclusive mortgage schemes with enhanced borrowing, lower deposits, and preferential rates.

Professional Occupations

Specialized mortgage products for qualified professionals in key sectors

Doctors & Surgeons

Nurses & Healthcare

Teachers & Educators

Police Officers

Firefighters

Paramedics & Ambulance

Social Workers

Armed Forces

Key Worker Benefits

Enhanced mortgage features available to eligible professionals

Higher income multiples (up to 5.5x salary)

Lower deposit requirements from 5%

Access to exclusive professional schemes

Fast-track application processes

Specialist underwriting for shift patterns

Consideration of overtime and bonuses

Why Choose Professional Mortgages?

Many lenders recognise that professionals in certain occupations have stable career paths and strong earning potential. This means you may qualify for:

Higher BorrowingUp to 5.5x your annual salary

Lower DepositsFrom as little as 5% deposit

Better RatesAccess to exclusive deals