The main steps are:
Work out how much you can borrow (affordability check).
Get a Mortgage in Principle.
Submit your full application with documents.
Lender carries out checks and a property valuation.
Receive your mortgage offer.
With Uppar, you’ll have a digital journey and an adviser guiding you at every stage.
Typical costs can include lender arrangement fees, valuation fees, and solicitor/legal fees. Some providers also charge a broker fee. However with Uppar, there’s no broker fee for homeowners. For buy-to-let mortgages, we charge a broker fee.
It typically takes 2–6 weeks from application to offer, depending on the lender, your paperwork, and the complexity of the case.
Don’t panic — being declined by one lender doesn’t mean you won’t get a mortgage. Your adviser will review the reasons and help you find a lender better suited to your situation.
Yes. You can apply jointly with a partner, family member, or friend. Both incomes are considered, but both applicants are equally responsible for repayments.
Most mortgages require at least a 5% deposit. A larger deposit (10%–25% or more) can unlock better rates and lower monthly repayments.
These are fees some lenders charge if you repay your mortgage (or switch to another deal) before the end of your fixed or tracker period. They usually reduce over time.
Yes, some lenders accept as little as a 5% deposit, though the rates may be higher. Saving more will usually give you better deals.
Yes. Options may include:
Shared Ownership (buy part, rent part).
First Homes (discounted homes for first-time buyers & key workers).
Lifetime ISA (government adds 25% bonus to your savings).
Help to Buy closed to new applications in 2022, but if you already applied and are completing, the government lends up to 20% (40% in London) towards your new-build home, interest-free for 5 years.
There’s no single score — each lender has its own criteria. A good credit history improves your chances, but our advisers can match you with lenders based on your profile.
It’s possible, but lenders may see you as higher risk. Building credit (e.g., with a credit card, regular payments) can improve your options.
Most people remortgage when their fixed or introductory rate is ending, usually every 2–5 years. You may also remortgage to reduce payments, release equity, or change your mortgage type.
Yes. Equity release through remortgaging lets you borrow against the value of your home — often used for renovations, investments, or debt consolidation.
You may be able to “port” your existing mortgage to the new property, or you might need to apply for a new one. Your adviser will check which option suits you best.
You can, but early repayment charges may apply. Sometimes, the savings outweigh the cost — we’ll help you weigh up the numbers.
It’s a mortgage designed for properties you rent out rather than live in. Lenders assess affordability based on expected rental income rather than just your salary.
Typically at least 25% of the property value, though some lenders may accept 20%.
Yes, they usually come with higher interest rates and fees compared to residential mortgages, and require a larger deposit.
It’s possible, but options are limited and criteria are stricter. Lenders usually prefer applicants who already own a home.
Yes, many lenders support self-employed applicants. You’ll usually need to show income proof such as accounts, tax returns, or contracts.
Some lenders specialise in helping people with past credit problems. Your options may be more limited, but it’s not impossible.
Yes, but lenders may want to see a track record of consistent income. An adviser can match you with lenders open to flexible work arrangements.
Most lenders ask for 2–3 years of accounts or tax returns, but some may consider just 1 year if your business is strong.
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