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Mortgage tips

Thinking about buying a new home?

It's an exciting time and obtaining your mortgage shouldn't have to be so complicated. Equip yourself with tools and information that simplify the mortgage process and position you for a more successful purchase.

How much should I borrow?

Evaluate your borrowing potential, given your financial situation, using the mortgage borrowing calculator.

Evaluate mortgage lenders

Use John Charcol's mortgage wizard to decide which lender is best for you.

What do I need to know?

Get information and advice on exactly what you'll need to arrange your mortgage:

* After you’ve been with npower and paid by monthly Direct Debit or Quarterly variable DD without a break for 12 months you’ll be entitled to a discount off your energy bill. Stay with us and continue to pay in this way and you’ll get a £100 annual discount if you buy both electricity and gas, £50 if you buy just gas or £40 if you buy just electricity. Stay with us and pay by quarterly cash cheque on receipt of bill for 12 months and you’ll get a £10 annual discount if you buy both electricity and gas. Dual fuel customers must pay for both supplies in one combined monthly payment and accept a combined dual fuel statement. Customers paying by Quarterly Variable DD must settle each bill in full by DD payment. Your discount will be credited to your account after 12 months and after each year you continue to pay this way. Monthly payments will be based on your current credit or debit balance and estimated future consumption at prices current at that time. Subject to change. Existing customers who are already eligible to receive our old £80 discount for paying for both electricity and gas by monthly Direct Debit will receive an apportioned higher discount payment according to their discount anniversary as follows. Date of discount payment anniversary September – November 2008 £85 discount received, December 2008 – February 2009 £90 discount received, March – May 2009 £95 discount received, June 2009 onwards £100 discount received.