To avoid mortgage scams, always work with reputable, regulated lenders and brokers. Be wary of unsolicited mortgage offers, especially those requiring upfront fees or personal information over the phone or via email. Check if the lender or broker is authorised by the Financial Conduct Authority (FCA) in the UK. Be cautious of deals that seem too good to be true, such as extremely low rates or guarantees of approval, regardless of credit history. Never feel pressured to sign documents without fully understanding the terms. It's advisable to conduct thorough research and seek independent legal or financial advice before committing to any mortgage deal.