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Mortgage advice

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

Call us now for FREE

0808 1686 719

Monday to Friday 9am to 5pm

Looking for other ways to get debt help? Find out how to contact us.

Mortgage advice is available throughout the UK.

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.

Equity release advice is provided by StepChange Financial Solutions, a subsidiary of StepChange Debt Charity. It is not a lender but works on behalf of our clients to search the market for a range of mortgage and equity release products that will best suit their needs.

Why choose us?

  •  Fee free: We don't charge you a fee for our advice. There aren't any hidden charges

  •  Unbiased: Our advisors don't work to sales targets, bonuses or commissions for products or lenders, meaning our advice is independent and impartial

  • Specialist: We are experts in meeting the needs of clients looking to release equity for a range of needs, including managing debts or retiring

  • Trustworthy: In 2020 and the first half of 2021, 98% of clients that we surveyed* said they would recommend us to family or friends

  • Award-winning: We won ‘best broker for equity release’ at the 2022 Mortgage Strategy awards

*Source: StepChange client survey 2020 and 2021.

Need mortgage advice?

Call our mortgage advice teams now for FREE on 0808 1686 719 for no-obligation advice.

Looking for other ways to get debt help? Find out how to contact us.

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 mortgage and equity release 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 for FREE on 0808 1686 719

Looking for other ways to get debt help? Find out how to contact us.

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What our clients say

"My only regret is not contacting StepChange sooner. "

Elizabeth, Yorkshire

Mortgage strategy awards 2022. Winner of best broker for equity release.

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