The essential guide to mortgages


Category: News

Most people who buy property will use some form of mortgage. Indeed, according to the Financial Conduct Authority (FCA), in the final quarter of 2023, the total amount borrowed through residential mortgages was £1,657.6 billion.

While buying a property is an exciting time, the mortgage market may seem confusing. It can feel like there are an overwhelming number of options, whether you’re a first-time buyer or are expanding your property portfolio.

If you need to apply for a mortgage but aren’t sure where to start, this guide could help you:

  • Understand how much you could borrow through a mortgage
  • Decide if a repayment or interest-only mortgage is right for you
  • Assess how the mortgage term could affect your short- and long-term finances
  • Review whether a fixed-, tracker-, or variable-rate mortgage makes sense for you
  • Calculate what your loan-to-value ratio will be.

In addition, the guide explains the benefits of working with a mortgage adviser, including identifying lenders that may be more likely to accept your application and reviewing your paperwork to minimise mistakes.

Download your copy of ‘The essential guide to mortgages’ now to improve your mortgage knowledge and understand your options when you’re searching for a new deal.

If you have any questions about your mortgage, please get in touch.

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Our testimonials

Marion Ohlson

I first met Anthony Kynaston some 13 years ago, when I sought advice regarding an inheritance from my late parents. He immediately impressed me with his friendly, calm, clear and professional manner, ascertaining my individual needs. Tony has since then continued to advise, plan and manage my financial affairs. This includes advice on my Buy to Let property and pension needs. He and his colleagues are always available to assist with any queries I may have. As a result, I can relax and now enjoy my retirement, leaving the complexities of financial management in their safe hands.

Niels Iversen

Ash-Ridge has been advising me for over 25 years. I have seen a very significant increase in the value of my portfolios over the years and have been very impressed by their professionalism, attention to detail, hands on management and care. I have been thoroughly pleased with the service so far.

Richard Tonkin

Ash-Ridge has provided myself and my family with friendly, professional financial advice for many years. I find them trustworthy and reliable, and would not hesitate to recommend them.

Caroline Mullan

I have been working with Tony and Andrew at Ash-Ridge to manage my financial affairs for several turbulent years since 2007. They have supported me with a variety of significant decisions and administration relating to pensions and investments while dealing with ever-changing circumstances as I moved into retirement. I am very happy to work with them, and to recommend their services.

Geoff Vickers

Ash-Ridge have been managing my personal pension investment portfolio for two years. I can say that I am absolutely delighted with the professional way they have handled my assets offering solid and independent advice which has been prudent and reliable. Dealing with an experienced team with first class communication and speed of response when advice is required. They are a pleasure to deal with.

Abel Smith

Sophie and I just wanted to thank you again for all your help in remortgaging. As ever, the service was superb and efficient, we will of course be coming back!

Seena Mistry

We have been using Jane at Ash-Ridge for the last 10 years, which literally speaks volumes for the service we receive. Jane’s honest and straightforward approach is a key part in ensuring we get the deal that is best for us. She is swift and always keeps us updated throughout the entire process whilst allowing us sufficient time to make a final decision. Jane is a first class mortgage adviser and I would recommend her to anyone seeking mortgage or financial advice.