Mortgage advice for where you are now

Buying your first home Choose this if you've never owned property and need to understand deposits and affordability. First-time buyers → Your deal is ending Choose this if your fixed or tracker rate ends within six months, or you want to borrow more. Remortgage → Letting a property Choose this if you're buying or remortgaging a rental, personally or through a company. Buy-to-let → Business premises Choose this for shops, offices, mixed-use or semi-commercial property. Commercial → Raising money against your home Choose this if you want to borrow without changing your current mortgage. Second charge → Running your own limited company Choose this if you own a share of a limited company and pay yourself through salary and dividends. Company directors → Working on contracts Choose this if you work on a day rate or fixed-term contracts, through your own company or an umbrella. Contractors → Working for yourself Choose this if you are a sole trader or in a partnership and your income comes from self-assessment. Self-employed →