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For the vast majority of people, it’s impossible to buy a home without a mortgage.

Getting hundreds of thousands of pounds together to put down as one lump sum is a privilege reserved for very few.

As it stands, it’s as much as most homebuyers can do to scrape together a deposit. The rest has to be borrowed from a bank or building society. Fortunately, there are hundreds of lenders offering a whole range of different types of mortgages. Whether you are buying your first home, remortgaging or moving up the property ladder, there should be a home loan suitable for you.

Most mortgages are now only offered on a repayment basis which means you repay part of the capital and the interest every month. At the end of the term, which is usually between 25 and 30 years, your mortgage debt will have been totally repaid.