I've tried to make the guide simple and easy to follow. However, putting it correctly in practice will take some time although of course this does not have to be done in one go.
Think of the time you spend as an investment, because if you get the right mortgage at the best price it can save thousands of pounds over the years.
Don't forget that for most people, at least those that don't take the time to research what they're buying, the mortgage lenders are the hunters - their customers the hunted.
But anyone armed with the right knowledge and ready to ask the right questions can easily turn into the hunter with the lenders now becoming the prey.
This is important because although there are plenty of bad value mortgages on the market at any one time there are still plenty of good deals available. Believe me, if you read this guide and take the suggested action you will be able to find these deals.