All banks are geared to offer mortgages and protection against rising interest rates. There are many plans to choose from so the best way to do this is talk to several banks and compare their plans and the terms and conditions. Most banks will cover around 90% of the cost of the property especially on a flexible loan scheme. Some waive valuation and handling fees and others will tailor a mortgage plan for you with long repayment facilities, mortgage insurance and approval within 24 hours.

Mortgage companies will have different mortgage criteria but age, your earnings and what monthly repayments you can afford will be a definite consideration.