Having used payday mortgage companies a number of times, for private use in addition to research, I've found that the absolute best forms of mortgage offers can be found by programs which submit your software to a number of unbiased (personal) lenders. It's not a payday loan. Presently, the FCA has set a cap of £24 on £a hundred payday loan if a borrower is taking out a mortgage for 30 days and repaying the loan on time.