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Frequently Asked Questions

Sally Laker, Mortgage Intelligence’s Managing Director, has been in the mortgage business for almost 30 years and is often asked similar questions by her mortgage customers.

So she thought you may find it useful if she answers just some of the questions she is most frequently asked and that you may have.

Simply enter a key word to look for all FAQ’s referring to this, or alternatively view all our FAQ questions and browse the answers below.


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How do I go about buying my first property?

I can't prove my income. What are my options?

How much can I borrow?

How much will my monthly payments be and what additional costs will be involved when taking out a mortgage?

I would like to raise additional capital. How can I go about doing this?

Why is it important to get impartial advice?

I want to stay in my home and get a better rate (remortgage)

How long will it take to get a mortgage?

I've had credit problems in the past; will this prevent me from getting a mortgage?

I'm not a U.K. citizen/resident can I still get a mortgage in the UK?

I want to purchase a property to let out, how do I go about doing this?

What is the difference between a repayment and interest only mortgage?

I have no deposit. Can I still get a mortgage?

What different types of mortgage products are there and how do they work?

What will happen to my rate if the Bank of England Base Rate goes up?

I've been given the option to purchase my council property, which lenders would provide me with a mortgage?

I want to build my own house can I get a mortgage to finance this?

What is a mortgage?

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee charged for mortgage advice. The amount will depend on your circumstances but we estimate it will be 1% of the loan arranged.

Mortgage Intelligence Limited is authorised and regulated by the Financial Services Authority.

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