No impact on your credit score

Benefits of downloading the TMB Home Buying App

A digital mortgage coach designed to help you save up, plan, and track your home buying journey.

You can build a savings plan, get mortgage ready and utilise our digital coach to support your journey through homeownership.

  • Tells you everything you need to know about buying a home
  • Reviews how much you can afford
  • Helps you save towards a deposit
  • Expert advice articles tailored to your needs
  • Puts you in touch with an adviser when they are ready

Download Here

FREE Download Our Mortgage HomeBuyer App HELP Get Mortgage Ready

Speak to a friendly adviser for free advice today

Live Rate Mortgage Finder %

Welcome to our live mortgage rate finder. This is just an indicative guide to help you see the sorts of rates that are accessible through some of the lenders we work with at The Mortgage Broker. It is always better to speak to a Mortgage Broker, as we can quickly understand your circumstances and access over 23,000 mortgage products through our panel of nearly 100 Mortgage Lenders. Not all lenders enable a live feed to their products, so this is just illustrating a segment of the market.

Live Rate Mortgage Finder %

Welcome to our live mortgage rate finder. This is just an indicative guide to help you see the sorts of rates that are accessible through some of the lenders we work with at The Mortgage Broker. It is always better to speak to a Mortgage Broker, as we can quickly understand your circumstances and access over 23,000 mortgage products through our panel of nearly 100 Mortgage Lenders. Not all lenders enable a live feed to their products, so this is just illustrating a segment of the market.

How much can I borrow?

The mortgage borrowing calculator is designed to help you work out how much you could borrow, getting you one step closer to owning your own home. Simply enter a few key details to get an estimate. Please note this is only an estimate and can vary depending on the lender and customer’s personal circumstances.

Please note: Rates are changing on a daily basis, and The Mortgage Broker have access to thousands of products. This calculator is just indicative, and if you want to understand your finances, you absolutely should speak to one of our team. Within just a few minutes, your mortgage adviser can tell you precisely how much you can borrow, without any impact on your credit score.

Repayments Calculator

Repayments are calculated by the size of your mortgage, the interest rate, and the term of your contract. Calculate your repayments here.

<strong>Please note: Rates are changing on a daily basis, and The Mortgage Broker have access to thousands of products. This calculator is just indicative, and if you want to understand your finances, you absolutely should speak to one of our team. Within just a few minutes, your mortgage adviser can tell you precisely how much you can afford, without any impact on your credit score. </strong>

Repayments Calculator

Repayments are calculated by the size of your mortgage, the interest rate, and the term of your contract. Calculate your repayments here.

Please note: Rates are changing on a daily basis, and The Mortgage Broker have access to thousands of products. This calculator is just indicative, and if you want to understand your finances, you absolutely should speak to one of our team. Within just a few minutes, your mortgage adviser can tell you precisely how much you can afford, without any impact on your credit score.

Stamp Duty Calculator - England & Northern Ireland

 

Please note this is for properties in England and Northern Ireland.

Purchase Price Normal Rate Additional Property
Less than £250K 0% 3%
£250K – £925K 5% 8%
£935K – £1.5M 10% 13%
Over £1.5M 12% 15%

An additional property purchased for less than £40k will attract 0% tax. For purchases from £40,000 to £250,000 the SDLT rate will be 3% on full purchase price.

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What your mortgage broker needs for your appointment

In order for us to ensure a smooth process, please ensure you have all the necessary information to hand. The more prepared you are, the better!

Required documents

Most lenders will ask for all the below information, but some lenders may vary in their requirements.

  • Bank statements for the last three months
  • Three months’ wage slips
  • Information about guaranteed overtime, commissions, or bonuses
  • If you’re self-employed, proof of account for the last three years
  • Information on existing loans, credit card commitments, or existing mortgages
  • Details of any defaults, arrears, or County Court Judgements (if applicable)
  • Documents proving existing savings, pensions, endowments, life insurance, or other healthcare policies
  • Proof of address – a utility bill dated within the last three months is a good example
  • P60 form (if available)

Following your appointment, we’ll also need proof of your identity, such as a passport or drivers licence. In order to get a mortgage in principle, we’ll need the following on file:

  • Identification
  • Address
  • Proof of income

Recommended: it can be beneficial to have your credit report available. They’re often free online.

Looking for a protection appointment?

A protection review, whether you’re getting a new policy or changing an existing one, will take around an hour. Before you speak with us, make sure you have:

  • Details of employer benefits, such as death in service and sick pay
  • Outstanding mortgage amount
  • Information about any existing protection plans, including those we’ve arranged for you.

Ready for your appointment?

If you have any questions ahead of your appointment, don’t hesitate to get in touch with us. We’re looking forward to speaking with you!

To learn more about the world of mortgages and the process of getting one, check out our other articles.