Award-winning advice and thousands of deals
Looking for a new mortgage deal? Whether you’re interested in bringing down your monthly cost, becoming mortgage free sooner, or even tapping into equity in your property you can rely on Saga Mortgages, in partnership with award-winning broker Tembo.
We aim to find you the best mortgage deals from over 100 lenders and 20,000 products. Whether you want to switch or stay with your lender, we'll get things sorted quickly, simply and securely.
In under 10 minutes, you can see personalised mortgage recommendations, showing live rates, using our online fact find – so you’ll quickly see if we can find a better deal than your current lender. We’ll also e-mail you your mortgage in principle, so you know exactly where you stand.
Once you’ve made your plan, you can talk to a team of experts seven days a week to support you through the process, with a dedicated broker who will handle all aspects of your application.
A mortgage is a loan secured against your home. You may lose your home if you don't repay each month.
Why choose Saga Mortgages?
Instant searches
Get a mortgage in principle in less than 10 minutes. We’ll quickly search thousands of deals and calculate your borrowing potential.
Offers in just 10 days
We keep things moving with same-day appointments and by staying open every day of the week. This means your average mortgage offer wait is only 10 days.
Deals available early
Secure your next rate six months in advance. If interest rates then go up, your rate is safely locked in. If rates fall, you can apply again at no extra cost.
Designed to save you money
We’ll do our best to find you a mortgage deal that suits your needs, meaning you could be mortgage free sooner or reduce your monthly payments. And thanks to our range of money-saving features, your potential savings don’t stop there.
- Free rate checking service – You can apply for your remortgage 6-months before the end of your current deal. If interest rates go down in that time, contact us and we'll cancel the old application and submit a new one at no extra charge. If rates go up, then your interest rate will be safely locked in.
- Free advice for life - After you’ve remortgaged your home with us once, you’ll never pay advice fees again – no matter how many times you move or remortgage.
- No broker fees on product transfers - If you switch to a new deal with your current lender, you won't pay any broker fees. If you borrow more through a further advance, our standard remortgage fee applies.
- Free mortgage protection advice - Get a free review of your insurance needs. A team of experts will help you choose the right policy for your property from a choice of insurers.
Things to consider
- Affordability checks - If you’re switching to a new mortgage provider, they will conduct a full affordability check before they approve you. This includes a credit check. If you’re staying with the same lender, full checks aren’t likely. This could be helpful if your income or circumstances have changed, as both can affect your affordability.
- Fees and charges - Depending on the lender and your situation, you might need to pay arrangement fees, legal fees, and valuation fees. If you leave your current mortgage deal before it ends, you may have to pay an Early Repayment Charge (ERC). It can be costly, so you will need to factor this into your budget.
