The mortgage market is not easy to navigate. Unless you are particularly experienced in personal finance matters, it can be difficult to understand all of the different products, let alone decide which one is the most suitable for you.

Hopefully this guide will go some way to address this problem, making it easier to identify your needs and find a mortgage to match them.

Click the links below to access the various different subjects:

Arranging mortgages	Mortgage rates	Repayment options
Introduction The cost of finance Borrowing capacity Security for the loan Mortgage applications	Introduction Variable rate Fixed rate Discounted rate Tracker rate Cashback mortgages Capped mortgages	Introduction Repayment Interest Only Endowment mortgages ISA Pension Standing Other types of mortgage
Comparing products	Specialist mortgages	Remortgages
Introduction Comparing rates APR & IRR Comparing repayment methods Other product features Fees and charges Penalties and pitfalls CAT marks The Mortgage Code Knowledge test Get a quote now	Introduction Flexible First time buyer Bad credit Self employed Buy to let Right to buy Self build Equity release Foreign currency Commercial	Remortgages Why remortgage? How much can I save? How much does it cost? How long will it take? Choosing a remortgage
Calculators
How much can I borrow? How much can I afford? Repayment calculator Compare two mortgages