As mortgages are one of the largest single transactions in most people’s lives, it’s important to know all the facts before committing to anything. The whole homebuying process can be incredibly stressful and time consuming which is why so many people choose to go through an independent mortgage broker to save time, money and effort. You probably know that you want to pick the best mortgage rate, but there are many other factors to consider as the cheapest option is not necessarily always the best.

Because of how complex the process of finding a mortgage can be, it's important to seek specialist advice from industry experts, which is where we come in. Mapps have helped hundreds of people over the years find affordable mortgages at the best rates available, and as a whole of market lender with a proven track record, you can be assured we will find you the right deal.

All mortgages work in the same basic way: you borrow money to pay for a property, pay interest on that loan and eventually pay it back. However, with banks, building societies and various niche lenders all competing for your business and offering a variety of interest rate deals, associated fees and other enhancements to attract borrowers, it can make searching for a mortgage seem a truly daunting task.

The five main points to consider are:

• Varying interest rates

• Length of time you’re borrowing for

• Different ways to repay

• The charges to pay

• Particular mortgages for special circumstances

Comparing all the deals available can be difficult at best, but as a whole of market mortgage broker, we aren’t tied to a particular group of lenders and don’t work based on commission. This means we have access to hundreds of lenders and the only thing we care about is finding the best mortgage for you whether you are a first-time buyer, moving home, remortgaging or looking to secure a buy-to-let mortgage.

Another benefit of choosing Mapps is that we can help you with other financial decisions associated with moving home such as choosing an appropriate life insurance policy or helping you get a good deal on buildings and contents insurance.

Our service is 100% transparent and we will provide you with our Services and Costs document and a Key Facts Illustration (KFI) which fully details our services, how much it will cost and how we are paid. We also offer a completely free consultation and we never charge until your mortgage is completed, so feel free to contact us directly and take a step closer to finding the perfect mortgage deal.

Some types of buy to let mortgages are not regulated by the Financial Conduct Authority. As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.