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Direct Lender Versus Adviser for Your Mortgage

Direct Lender Versus Adviser for Your Mortgage

Considering a direct lender versus adviser for your mortgage? See how choice, criteria, speed and personal support can shape your next move and costs.

Repayment Versus Interest Only Mortgages

Repayment Versus Interest Only Mortgages

Understand repayment versus interest only mortgages, monthly costs and long-term risks, then choose a mortgage route that suits your plans and budget.

Shared Ownership Mortgage Checks Before You Buy

Shared Ownership Mortgage Checks Before You Buy

Understand how a shared ownership mortgage works, what you may pay each month and the checks to make before applying for your first home purchase wisely.

Shared Ownership Mortgage Checks Before You Buy

Shared Ownership Mortgage Checks Before You Buy

Understand how a shared ownership mortgage works, what you may pay each month and the checks to make before applying for your first home purchase wisely.

Mortgage Lending and What Lenders Look For

Mortgage Lending and What Lenders Look For

Mortgage lending made clearer: see how affordability, deposits, credit history and property checks shape your options, with adviser support at each step.

Mortgage Renewal Guide for UK Homeowners

Mortgage Renewal Guide for UK Homeowners

Our mortgage renewal guide helps UK homeowners compare rates, prepare early and decide whether a product transfer or remortgage suits their plans well.

How Long Does a Mortgage Application Take?

How Long Does a Mortgage Application Take?

Wondering how long mortgage application takes? See typical UK timings, common delays and ways to keep your home purchase moving with adviser-led support.

Why Mortgages Decline and What to Do Next

Why Mortgages Decline and What to Do Next

Why mortgages decline: understand affordability, credit, property and paperwork issues, then take practical steps with a mortgage adviser before applying.

Can Remortgaging Save Money on Your Mortgage?

Can Remortgaging Save Money on Your Mortgage?

Can remortgaging save money? Learn when switching deals may cut repayments, the costs to check and how tailored mortgage advice can help before you decide.

Joint Mortgage Application Guide for UK Buyers

Joint Mortgage Application Guide for UK Buyers

Our joint mortgage application guide explains affordability, deposits, credit checks and documents, so UK buyers can apply with greater confidence today.

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The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

Think carefully before securing debt against your home. Your home may be repossessed if you do not keep up payments on your mortgage or any other loans secured on it.

CoG Financial is registered with the Data Protection Act 1998 registration no ZB538567 and is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 1029907. CoG Financial Ltd is a company registered in England and Wales. Company registration number 14711447. Registered office address – Sovereign House, 37 Middle Road, Southampton, SO31 7GH.

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