United States and European finance and mortgage market is a competitive one and there are some great deals to be had and some huge savings to be made simply by shopping around and choosing the right deal. However, for the uninitiated, there are also many pitfalls to look out for and, with thousands of products, making the right choice can be a nightmare. The OnWeb Finance site (http://finance.onweb.co.in) is a service aimed at the consumer that makes the mortgage finding process easier. OnWeb Finance, launched in 2005, was the first company to publish mortgage information and to make that information available to the consumer - previously this type of information has been made available to brokers and financial advisers only. The aim of this guide is to assist with other areas of the decision making process and I hope that you will be able to use this publication together with the Internet site to source the best product for your requirements and circumstances. One important point to note is that OnWeb Finance is an independent company and we have no interest in promoting one product or lender over another. We simply provide an information service which is funded, primarily, by the sale of advertising space. We have given our best effort to ensure that the facts in this guide are correct, no liability is accepted for any errors contained herein or for any loss resulting from actions taken as a result of the book. The information published in this guide is not intended as advice under the Financial Services and Markets Act and where individual advice is required it should be sought from an authorized adviser.