We all know that finding a mortgage can be one of the most difficult and important decisions we can make in our lifetime.

Buying a new home or refinancing an existing property requires time, patience, thought and sound financial advice. It’s not something to be rushed and you certainly shouldn’t make any snap decisions.

You can start by asking friends, family and co-workers for recommendations on mortgage providers and mortgage brokers. If you’ve been with a particular bank or building society for some time try contacting them and see what they’re able to offer.

If you’re going to use a broker, try to find one that’s ‘whole of market’ who will be able to search every mortgage deal available and find the right mortgage to suit your needs.

You can find official Government mortgage advice here:
http://www.moneymadeclear.fsa.gov.uk/hubs/home_mortgages.html