If you need a mortgage, the first and most importance advice is to get independent advice. The person to go to is, naturally enough, an Independent Financial Adviser, or IFA. You will find them in the telephone book or we are happy to recommend one. An IFA will have access to many financial packages and can provide immediate quotes from a variety of different lenders. An IFA will also be able to help you decide which type of mortgage is best for you. Whether you need an endowment mortgage or repayment will depend on you financial circumstances, as will the period you want to pay the loan back. You may also need mortgage protection insurance and a good IFA will make sure you get the best deal.