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With the vast sums of money required to buy a home these days, coupled with the increasing cost of living, there has never been a better time to ensure you get the right mortgage deal. This article provides help and guidance to give you the best chance of securing the right mortgage deal

How to get the best interest rate on a mortgage
The key factors that determine the mortgage products available to you;
- Choosing a suitable mortgage product
- Choosing the right mortgage provider
- Lowering your risk the the lender
- Timing
Choosing a suitable mortgage product
A mortgage broker can assist you in sourcing a mortgage deal from either the entire market or a select panel of lenders, providing you with a better chance of choosing the best deal.
By working with a mortgage broker who has experience in the specific type of mortgage you are seeking, you can increase your chances of success with your application and securing the most favorable deal. Their expertise and knowledge of the market can be invaluable in navigating the complex mortgage landscape and finding the best mortgage terms and rates that align with your financial goals.
While opting for the lowest interest rate may appear attractive, it’s crucial to consider other factors when choosing a mortgage deal. Additional costs, such as mortgage arrangement fees and survey fees should be taken into account.
Additionally, it’s essential to assess if the mortgage term aligns with your plans and future financial goals. Factors such as the length of the term, flexibility in making additional payments, and potential penalties for early repayment should all be considered.
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Reducing your risk
Mortgage lending and pricing are heavily influenced by risk factors. Taking steps to mitigate these risks can increase your chances of securing the best mortgage deal. Some actions that can help improve your chances include:
- Improving your credit score: A higher credit score demonstrates your creditworthiness to lenders and can result in more favorable mortgage terms and rates.
- Increasing your deposit: A larger deposit can reduce the loan-to-value (LTV) ratio, which can result in better interest rates and loan terms.
- Reducing your borrowing amount: Borrowing less can lower the risk for lenders and may result in more favorable mortgage terms.
- Decreasing your debt-to-income ratio: A lower debt-to-income ratio (DTI) shows lenders that you have better financial stability and can handle mortgage payments more comfortably.
- Adding another applicant or guarantor: Adding another applicant or a guarantor with a strong credit profile can help improve your chances of getting approved for a mortgage or securing better terms.
- Demonstrating stability in employment: A stable employment history can positively impact your mortgage application, as it shows lenders that you have a reliable source of income to repay the loan.
- Timing with interest rates: Keeping an eye on market trends and timing your mortgage application when interest rates are favorable can result in better mortgage terms and rates.
Taking steps to reduce risk and demonstrate financial stability can significantly improve your chances of securing the best mortgage deal.
Personal timing
timing your mortgage application based on your own personal circumstances, such as having a sufficient deposit, can greatly impact the mortgage deal you can secure.
Shop around
shopping around and comparing offers from different mortgage lenders and brokers can help you find the best deal that meets your needs and financial situation.
Government schemes
It’s also important to explore any government schemes or incentives that may be available to you, such as first-time buyer programs or Help to Buy schemes, which can provide additional benefits or assistance in securing a mortgage.
See What Our Clients Say
Outstanding service and clear communication are at the core of what we do. But don’t just take our word for it—read firsthand experiences from our clients and discover why they rate us a 5-star mortgage broker.
Ashley Oldershaw2025-03-12Trustindex verifies that the original source of the review is Google. We worked with Jack, who was very clear in his explanations, spent some time learning about our situation and presented us with our options and the pros and cons of each. He was also very proactive and understood that this was unfamiliar territory for us. Jack made sure that he did everything he could to provide a smooth process from start to finish, which helped us out a lot. Thanks, Jack! Farshad Farzaneh2025-03-11Trustindex verifies that the original source of the review is Google. Jack Johnson is the mortgage broker we used from Strive mortgages and he has been very helpful and an absolute easment for the whole process of getting a mortgage. He's easy to get hold of and makes plenty of time for his clients. He has useful contacts across the industries (banks and estate agents) which can be helpful in many circumstances, especially for quick answers and resolutions to problems. Mark Williams2025-03-11Trustindex verifies that the original source of the review is Google. Jamie has been consistent in providing me with an excellent service over many years, so I wouldn't dream of using anyone else. I've also recommended him to friends and family. Peter Macciochi2025-03-11Trustindex verifies that the original source of the review is Google. James has always been detailed but extraordinarily helpful. Always get the best advice and deals out there - simply do not go anywhere else !! Matt Ploszajski2025-03-08Trustindex verifies that the original source of the review is Google. They did a great job arranging our mortgage. Very supportive and talked us through everything very clearly. Polly Alice2025-03-08Trustindex verifies that the original source of the review is Google. Highly recommend the service. Jack was a great help answering any questions I had about the process. Great value for money, and makes the whole process less daunting. Samantha Kilford2025-03-05Trustindex verifies that the original source of the review is Google. I highly recommend Jack and the team at Strive Mortgages. As a first time buyer, I was entirely clueless and Jack has been incredibly helpful at de-mystifying the entire process. Everything has been efficient and as stress-free as possible. A real top-notch advisor, Jack is always available to answer questions and provide expert guidance - I couldn't ask for more! mark slade2025-03-02Trustindex verifies that the original source of the review is Google. Absolutely fantastic. On your side right from the start. I will be recommending Strive Mortgages at every opportunity. Thank uou so much!! H W2025-02-25Trustindex verifies that the original source of the review is Google. Very professional and efficient service that always has your best interests at heart.They set up a WhatsApp group to enable my wife and I to have seamless and rapid communication with the broker on both the mortgage application process and any general queries we had in relation to mortgages.I would highly recommend them to anyone looking to take the stress out of moving. R A2025-02-25Trustindex verifies that the original source of the review is Google. Jamie and his team at Strive Mortgages have been fantastic from start to finish. The process was so smooth and efficient. Jamie was always so easy to get a hold of to answer any queries we had and ensured we were happy and comfortable throughout.Id highly recommend anyone to use Strive Mortgages and will certainly continue to use Strive for all our mortgage needs!
Work with a mortgage broker
Working with a mortgage broker can save you time and money, as they have access to a wide range of mortgage products and can help you navigate through the complex mortgage market. A mortgage broker can provide expert advice tailored to your individual financial situation and goals, and help you find the best deal that meets your needs in terms of interest rates, fees, and terms.
Mortgage brokers can also handle the paperwork and negotiations on your behalf, saving you time and effort in the mortgage application process. They can assess your financial situation, help you understand the different options available, and provide recommendations based on your specific requirements.
Talk to a mortgage expert today, to lock you in with the best deal.
For more info on the best mortgage rates for you, please contact a member of the Strive team, by emailing [email protected] or call us on 01273 002697.
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Jamie Elvin
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