Expert Mortgage Advice & £400,000 Mortgage Products Suitable For You

Let us put you in touch with expert mortgage advisors who will give you impartial advice and help you find suitable low % £400,000 mortgage products.

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Working with leading lenders ...

We work with high street and other lenders so you’ll get access to suitable mortgage products that you may be able to apply for.

About us

Why use us?

From the information you provide to us, our experts will search the market and find the most suitable products for you. If you are happy with the product on offer, we will handle all the necessary paperwork for you, including any relevant applications, to ensure that everything runs smoothly for you.

Quick service

From just a few minutes completing some basic information, we will quickly search for suitable financial products for you.

Expert advice

We’ve helped thousands of customers secure financial products and service so you know that you are in capable hands.

Reduced stress & time saving

Choosing the right financial product is time consuming and can be stressful, so remove much of this by putting it in the hands of one of our financial experts.

Reliable service

Whatever type of financial product or service you are looking for, our service is reliable and always matched to your own personal circumstances.

Satisfaction guaranteed

Whether you’re looking for Mortgage Advice, Loan Advice or Insurance Advice or any other financial product or service, we can help you…

“Did a great job helping us with our mortgage. I would recommend!”

Rob Searcy

So ... how can we help?

Buying a financial product such as a mortgage can be the biggest decision made in our lives. It is for this reason that impartial advice is critical from qualified advisors.

Find a suitable £400,000 mortgage deal

A £400,000 loan for a home is a huge financial commitment that will take a lot of planning and consideration. If you are thinking about applying for a mortgage this size, you will probably have a lot of questions, but don’t worry because at Finance Advice Centre we believe we have the answers to most key questions. As well as our overview below that will cover many of the basics about getting a £400,000 mortgage, you can get specialised, personal advice to suit your circumstances from a member of our team. Our expert advisers are on hand to help you find the most suitable mortgage products for you as well as guiding you through the application process itself.

Do you qualify for a £400,000 mortgage?

When you apply for any size loan, your lender will need to take the following factors into consideration before approving your application. These are typically referred to as the lender’s eligibility criteria.

Do you have a suitable size mortgage deposit?

You are more likely to be accepted for a £400,000 mortgage if you have saved a substantial deposit to put towards the cost of your new home. The majority of lenders will ask for at least 10% of the purchase price, but usually the more you can put down as your deposit, the better your mortgage terms will be. This is because the Loan to Value (LTV) ratio will be lower, so there is considered less risk to the lender.

What are your current financial commitments?

It is important to think about all of your monthly outgoings, and whether or not you can afford a £400,000 mortgage repayment on top of your existing living costs. Your provider will likely ask to see copies of your bank statements to determine whether or not you are in a reasonably comfortable financial position.

Also, you will need to consider the costs when you move into your new home. For example, how much you will pay on utilities, broadband, council tax, etc will be taken into consideration to establish how affordable your mortgage repayments will be on top of that.

What is your personal situation?

Your marital status will impact your eligibility for a £400,000 home loan. If you are married, both of your incomes will be taken into account to work out the amount you can borrow, as it will likely be a larger amount with you both being named on the contract. However, you should keep in mind that if your partner has a low credit score, or is in a significant amount of debt, this could negatively affect your chances of getting a mortgage in the first place.

You’re not less likely to be accepted for a mortgage if you’re single, the lender will just want to ensure that you are generating enough income to meet the affordability criteria and qualify for the loan.

What are the repayments on a £400,000 mortgage?

What are the repayments on a £400,000 mortgage?

The amount you will pay back towards your mortgage on a monthly basis will depend on three factors:

  • The type of mortgage you have applied for – whether you have chosen a repayment or interest-only mortgage
  • The interest rate being applied to your repayments
  • The length of your mortgage term – typically 30 years on average


If you’re not sure how to go about getting a £400,000 mortgage or have any further questions contact Finance Advice Centre today. 

As a mortgage is secured against your home it could be repossessed if you do not keep up the mortgage repayments.

Our approach - and how we do it


We love speaking with our clients. Either give us a call or fill in one of our contact forms. Remember, we love a challenge!


One of our Advisors will then find out what you’re looking to do, discuss your options and answer any questions you may have.


Your Advisor will find the best option for you and help arrange things. You then sit back and relax while we do the rest.

See what our customers think ...

What a Fantastic Service from start to finish. Great customer support from Ben Patten & Joe Frayne, superb product knowledge and exceptionally responsive to emails/calls, we can 100% recommend the Finance Advice Centre Ltd , they got us a great deal on a mortgage with suited life insurance, especially during this very difficult Covid 19 time ……

Ian Stamp

From start to finish, Greig and Emily were very helpful with our mortgage application. The advice Greig gave us was very clear and informed. They were always available either by phone or email to answer any questions we had. The whole process was made a lot easier because of the work they did. Would thoroughly recommend

Ross Nightingale

Let us do the work of finding your mortgage

We’ll put you in touch with impartial advice from an expert mortgage advisor who will help secure you the best mortgage deals available.