Arranging a mortgage can be a very stressful experience if you try to do it yourself. You can end up spending a lot of time on it and may not get anything like the best deal. We are experts in this field and pride ourselves on the huge number of recommendations we receive. Contact us and we will use our powerful computer databases and expert knowledge to search the vast range of mortgages and identify a suitable scheme for you.

Below are some of the questions you are faced with:

• Fixed rate, discounted rate, capped rate or cashback?
• Capital repayment or interest only?
• How is the interest calculated?
• Are there any early repayment charges?
• What possible fees are involved?
• Are there any deals where the fees are paid by the lender?
• How much can I borrow?
• Am I able to obtain a self-certification mortgage?
• I am self-employed and only have accounts for 12 months, can I get a mortgage?
• Can I make overpayments, underpayments or have a payment holiday?
• Can I offset the balance in my current account against the balance on my mortgage?
• What is mortgage protection?
• Do I need mortgage protection and how much does it cost?
• I have a mortgage at the moment, but would like to remortgage. Is it worth it on the basis that I may suffer from a early repayment charge with my existing lender? (a early repayment charge is a penalty charged by the lender for redeeming the mortgage early)
• Am I able to consolidate existing debt through remortgaging?
• Am I able to change lenders and have lower payments as I have no early repayment charges with my existing lender?
• I have an endowment, but am concerned about a possible shortfall. What should I do?
• I have a bad credit history. Is this a problem?
• I have changed jobs three times in the last year, can I get a mortgage?

As I am sure you can appreciate, it can be a minefield. The one way around it is to consult a mortgage adviser at Progages Financial Services to arrange a mortage for you Contact us now.

Adverse Credit/Credit Problems - The overall cost for comparison is 8.9% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

Self Employed / No Proof of Income - The overall cost for comparison is 7.6% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

• All loans subject to status and availability.

Adding existing debts to your mortgage extend the repayment term and increase the overall cost of the debt.

Think carefully before securing other debt against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.