Buying a home is one of the biggest financial commitments you’ll ever make. So speak to us for advice on a mortgage that’s right for you and the repayment options available.

Whether you’re a first-time buyer, you want to remortgage or you’re looking for a buy-to-let arrangement means we’ll be able to help find the perfect mortgage, the perfect way to repay it and the perfect way to protect it, for you. We have access to many of the UK's leading lenders and have schemes that are exclusive to Openwork Limited.

From advising on life cover, critical illness cover and income protection plans, to outlining home and contents insurance, our advisers can help make owning your new home a milestone in your life – not a millstone.

To help you find your way through the Mortgage maze we have produced this plain-speaking guide that will give you a background on what's involved when arranging a mortgage. If you have any other questions, or need more advice along the way, our advisers are just a phone call or e-mail away.

The guide is split into the following sections:

• Ten steps to buying a new home - England, Wales and Northern Ireland
• Ten steps to buying a new home - Scotland
• How much can I borrow?
• How much will it cost?
• Choosing the right mortgage
• Ways to repay your mortgage
• Safeguarding your future

Take advantage of our comprehensive, professional mortgage service, you can complete an online mortgage application form or arrange an appointment with an adviser today.

Notes
A fee of up to £300 will be payable by you, upon the provision of a formal mortgage offer. Typically this will be £250.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Buy to let mortgages are not regulated by the Financial Services Authority.