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Mortgage advice

Helping you unlock your options as a homeowner.

Use our online contact form

  Mortgage advice is available throughout the UK. This service is provided by StepChange Financial Solutions, part of StepChange Debt Charity. We are not a lender. We find products that suit your needs.

We offer impartial mortgage advice tailored to your needs

Whether you are:

  • A first-time buyer, or
  • Looking to remortgage for a better deal

Our mortgage advisors can help save you time, stress and worry. They will:

  • Take the time to understand your situation
  • Guide you through the process
  • Provide answers and advice in clear, simple terms

You can be confident you are making the right decision.

Due to very high demand at the moment, we are only providing our mortgage service for people who are 55 years or older.

Sorry if this means we cannot help you right now. Please read our homeowners' guides or visit the MoneyHelper website for free and impartial advice about mortgages. We hope you will find this helpful.

These solutions are not for everyone. We will look at all your options.

We help homeowners understand their financial options

From finding a better mortgage rate, to unlocking the value of an existing property to deal with debt, make home improvements or even help you live more comfortably after you retire, we can help.

Unlock the value in your home - understand your options.

Mortgage Debt Advice

Worried about debt? Owning your home can help. Let’s chat.

Remortgage

Fixed rate coming to an end? Let’s deal with it.

 

 

Why choose us?

  •  Free advice: We do not charge you for advice. If you go ahead with equity release or a mortgage, on completion you will need to pay our Service Fee. This fee cannot be refunded

  •  Unbiased: Our advisors are paid a salary. There are no sales targets, bonuses, or commissions. The advice you receive is always in your best interests


  • Trustworthy: Our Financial Solutions clients gave us a 4.9 out of 5-star average review on Feefo in 2022


  • Award-winning: We have won many awards for our service over the years

Need mortgage advice?

We will help you understand your choices. Just fill out our contact form to request a call back.

A range of mortgage options

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

Are you worried about your fixed rate mortgage term ending?

Millions of people are coming to the end of their fixed rate mortgages. If this is happening to you, you may feel you cannot afford the new rate. Or you may have fallen behind with payments already. Read our guide to find out what you can do.

With these types of mortgages your home may be repossessed if you do not keep up repayments.

Common mortgage questions

Our advice comes at no cost to you. We are here to help you work out what you need and guide you through your options - based on what is right for you.

It is up to you if you decide to go ahead with our recommendations.

This advice is completely free of charge. But, to cover the costs involved in delivering and maintaining the quality of our services, we do charge a Service Fee of £495. This is payable upon completion.

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. This is to establish the property’s value
  • A home buyers report. This also identifies works to the property that need immediate attention
  • A structural survey. This will give you a full analysis of:
  •  The structural integrity of the property
  •  Current and future works required
  •  Confirmation of the value

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

Your advisor will complete a full income and expenditure assessment. This will help you figure out how much you can borrow.

Interest only mortgages are still available. But you will need to meet very strict 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 we may be able to help.

We provide free and impartial mortgage and equity release advice.

We help you understand your options and make sure you have the knowledge and confidence to make informed decisions.

How to find out about the mortgage options for you

We will help you understand your choices. For free advice:

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Peter on Feefo says:

"An excellent service."

"Throughout the whole process of applying for and getting a Lifetime Mortgage the financial adviser and her colleagues were very helpful and careful to explain everything in the greatest detail. An excellent service."

Get help like Peter

Debt happens. We deal with it.

We have helped millions of people since 1993.

Find out how.

"Thank you StepChange"

"The person who dealt with me, was very friendly, helpful and informative. StepChange helped to sort my lifetime mortgage. They were very helpful. Always keeping me up to date. Would definitely recommend."

Elisa, Feefo Review

StepChange Financial Solutions is a registered trading name of Consumer Credit Counselling Service (Equity Release) Ltd, a wholly owned subsidiary of StepChange Debt Charity. Authorised and regulated by the Financial Conduct Authority. FCA reg. no. 517674