Mortgages
Mortgage advice, built around your plans.
Every mortgage situation is different. We work with first-time buyers, home movers, landlords and complex cases alike, combining a digital readiness check with a qualified adviser who handles everything from there. Find your situation below.
By your situation
First Time BuyersBuying your first home.Learn more Moving HomeSelling and buying your next home.Learn more RemortgagingReview your current deal or raise funds.Learn more Buy to LetFinance for landlords, in personal names or through a limited company.Learn more Self-EmployedSole traders, directors and contractors.Learn more Adverse CreditMissed payments, defaults, CCJs or worse.Learn more Low DepositBuying with a smaller deposit.Learn more Family MortgagesGuarantor and family-assisted lending.Learn more Self BuildFinancing a home you're building yourself.Learn more Debt ConsolidationRefinancing to combine existing debts.Learn more Equity ReleaseReleasing tax-free cash from your home.Learn more UK Expat MortgagesFor British nationals living and earning abroad.Learn more Foreign National MortgagesSkilled Worker visa, settled status, overseas income, no ILR and more — nine specialist guides.Learn more High Net WorthLarge loans and complex income — bonuses, carry, partnership profit and overseas earnings.Learn more Buying a PropertyThe step-by-step process, start to finish.Learn more
By mortgage type
Islamic FinanceShariah-compliant home-finance options for UK property.Learn more Fixed Rate MortgagesA set rate for an agreed period.Learn more Tracker MortgagesA rate that tracks the Bank of England base rate.Learn more Second Charge MortgagesA second loan secured against your home.Learn more Bridging LoansShort-term finance to bridge a purchase.Learn more Commercial MortgagesFinance for business and commercial property.Learn more
Lockhart Murphy
Mortgage advice built around your situation.
First home, next home, complex income or international circumstances — we work with the full range, and match every case to the right lender from the outset.
Ask Murphy
Not sure which mortgage fits your situation?
Not sure where to start? Murphy can help you understand your options and what matters for your situation before you speak to an adviser.
Handled by AI — all mortgage recommendations are made by a qualified adviser.