Where can I get a mortgage loan? See who can give you a mortgage loan and see what brokers are for

There are two types of financial institutions that offer mortgages, banks and buildings societies. There are over 100 mortgage providers in the UK, so, if you are up to the task there is a lot of comparative shopping to be done.

The fastest way of finding mortgage providers is, of course, the internet. Before you actually go about searching for your perfect mortgage we recommend reading all or most of our guides.

It is important to be knowledgeable about mortgages in order to understand what mortgages really are and what the implications of the different types of conditions and clauses are, not to mention interest rates and repayment methods.

If you are a mortgage seeker with unusual needs it is probably wiser to expand your search to niche mortgage providers and specialized lenders.

When actually contacting a lender, once you are involving yourself in a serious discussion, be sure that it is one of the top mortgagers on your list.

Every time you communicate your personal data to a lender it is likely that he will do a credit check. This credit check will show up on your record and other lenders that you might go to could interpret it as a refusal from their competitors and lower your score.

If you are a special case, a bad credit case for example, then it is better to use the services of an independent credit adviser. An independent credit adviser is a specialist that is knowledgeable, has a direct relationship with many lenders and knows the large majority of mortgage offers. It is also wise to contact a couple of advisors or brokers and see which will come up with the better offer. This advisor or broker will do a comparison of the available mortgage offers specifically suited to your needs and will present the best options to you. It is also preferable because it will protect you against unnecessary credit history checks that might lower lender trust.