Wherever you are on your mortgage path we're here to help


Police Mutual

Mortgage Advice Service

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Mortgage Excellence Plc, trading as Police Mutual, is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales No. 03527577. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS.

Where are you on your journey?

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Looking to rent?
Start thinking about...
  • What can you afford each month? Budget for household bills.
  • Your average monthly cost of rent can be around 41% of your regular wage.
  • Choose a trusted letting agent. Search for an ARLA Propertymark protected agent.
Find out more   >
Buying your first home?
First steps...
  • Work out what you can afford, remembering to factor in fees.
  • First-time buyer aged 18 to 39? You could get up to £32,000 from the Government by saving into a new Lifetime ISA.
  • Are you financially fit? Avoid big purchases before you apply.
Find out more   >
Looking to expand?
Expand your options...
  • Need a larger home? How much can you afford?
  • Could you move or renovate your existing home?
  • Release equity or remortgage
  • Have your protection in place should the unexpected happen?
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  • Is your current mortgage deal coming to an end?
  • Do you prefer the security of fixed rates or tracker/variable options?
  • Get the right advice. Look for an independent mortgage advisor who can assess your needs.
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Established and managing ok?
Plan now...
  • Can you afford a bigger mortgage if you upsize?
  • Want to make overpayments to reduce the term and the amount of interest you pay?
  • Want to invest in property? See what Buy-to-let mortgages are available, and consider the tax implications.
Find out more   >
Retired, or thinking of retirement?
Start thinking about...
  • Could you help your child buy their first home?
  • Cash tied up in your home? Equity release lets you access the cash if you're aged over 55.
  • You could become mortgage-free by using your commutation to clear your mortgage debt.
Find out more   >