The Abbey will obviously only be able to tell you about their own lending limits and product range, whereas a mortgage broker will be able to access the whole of market, which includes both banks and building societies and all that they have to offer. As each individual lenders income multiples and products differ, so it is quite common for a potential mortgage borrower to be refused a mortgage by one lender, only to be accepted by a another. For this reason, to increase your chances of success and get more choice, you may want to consider using a mortgage broker to act on your behalf.
When you have chosen a mortgage, check you can afford it by clicking here
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Now fill in the "Quick Quote Form" to get a detailed illustration emailed back to you (If you have a specific lender in mind use the further information box on the form to specify it)
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Mortgage Calculator
enter a mortgage amount enter a repayment term in years enter an interest rate
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage