Where can I get a mortgage?

There are many lenders in the market for your business. You can approach them in two ways.

1 Go directly to them
2 Use a mortgage intermediary.

Not all lenders provide mortgages for Shared Ownership or Key Worker schemes so you may spend a lot of time in the high street trying to find the best option. Lenders will only be able to tell you about their own products rather than compare them with others. You can use the web to make comparisons but you will most likely still need advice to help you make the right decision.

A mortgage intermediary will be able to make recommendations to you from the products in the market. A fee may be charged for this service. Make sure you are aware of how much the fee is and that it is reasonable.        

If you are purchasing through a Housing Association, they will probably have a panel of experienced intermediaries that you can choose from. You should feel comfortable with the person that you are dealing with; after all, a property is the major purchase that you are going to make.