Contrary to some media reports, there are still plenty of mortgages available for homebuyers. The difference today is that lenders expect much more as a deposit.

It is usual practice to arrange a mortgage ‘in principle’ before looking for your property so you have a clearer idea of how much you can afford.

Many whitehot properties have buyer incentives such as a percentage of the deposit paid so it’s worth taking a look through our selection of whitehot properties with incentives before you start the mortgage process.

Once you are ready to arrange a mortgage, we recommend that you talk to a mortgage advisor about what you can afford. To get an idea of the mortgages available to you, click here