Wherever you are on your mortgage path we're here to help
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...
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- 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.
Buying your first home?
First steps...
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- 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.
Looking to expand?
Expand your options...
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- 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?
Remortgaging?
Consider...
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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.
Established and managing ok?
Plan now...
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- 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.
Retired, or thinking of retirement?
Start thinking about...
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- 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.