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Mortgage advice is available throughout the UK.

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Mortgage advice

Our expert team at StepChange Financial Solutions offers free residential and retirement mortgage advice.

Call us now

0808 168 6719

Monday to Friday 9am to 5pm

We provide free, impartial mortgage advice tailored to your individual needs, whether you’re a first-time buyer or looking to remortgage for a better deal.

At StepChange Financial Solutions, our mortgage advisors can help save you time, stress and worry. They’ll take the time to understand your situation, guide you through the process, and provide answers and advice in clear, simple terms so you can be confident you’re making the right decision.

Why choose us?

  •  Free: We don't charge for our advice. There aren't any hidden fees
  •  Unbiased: Our advisors don't work to sales targets, bonuses or commissions
  •  Specialist: We offer advice to all, from first-time buyers to those looking to retire
  •  Trustworthy: Last year 98% of our clients said they would recommend us to family or friends

Need mortgage advice?

Call our expert team on 0808 168 6719 or arrange a callback at a convenient time.

Contact us now

A range of mortgage options

With two types of mortgage on offer and thousands of options to choose from, our expert advisors will consider your individual circumstances before deciding on the best solution for you.

With retirement and residential mortgages your home may be repossessed if you don’t keep up repayments on your mortgage.

Common mortgage questions

If you're re-mortgaging, it's not uncommon for the mortgage provider to meet the cost of your valuation and legal fees. You may have to pay an application or booking fee.

If you're buying a new home, you usually have to pay for a valuation, meet your own legal costs, and possibly pay an application or booking fee. You may also be liable for stamp duty.

The valuation depends on how much you wish to find out about the condition of the property. The three most common valuation reports are:

  • A basic valuation, to establish the property’s value
  • A home buyers report, which also identifies works to the property that need immediate attention
  • A structural survey, which will give you a full analysis of the structural integrity of the property, identify current and future works required, and confirm the value

What you can borrow is based on what you can afford, and each mortgage provider has different affordability criteria. 

Your advisor will complete a full income and expenditure assessment to help you establish how much you can borrow.

Interest only mortgages are still available but you will need to meet very strict qualifying criteria. 

You will also be required to have an adequate repayment vehicle linked to the mortgage. To avoid the risks associated with an interest only mortgage most mortgage providers and clients prefer repayment mortgages. 

This means your mortgage will be fully repaid at the end of your term, should you make all of your payments.

If your interest only mortgage term has come to an end, or is due to end soon, and you still owe money and have no means to repay, then StepChange Financial Solutions may be able to help.

We provide free and impartial advice to help you understand your options and ensure you have the knowledge and confidence to make informed decisions.

Need help finding the right mortgage for you?

If you're considering buying a property or remortgaging, call our expert team or arrange a call back at a convenient time.

Contact us now
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What our clients say

"Everybody I spoke with was very helpful and professional. "

Jan, Cheshire

StepChange Financial Solutions is a registered trading name of Consumer Credit Counselling Service (Equity Release) Ltd. Authorised and regulated by the Financial Conduct Authority.

Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

We link to external websites where they contain relevant information for our visitors. We're not responsible for the content of these websites, or any infringement on your data rights under data protection regulations by any external website provider.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2018