What You Need to Know Before Taking Out a Mortgage

10 Year Fixed Rate Mortgages

Posted in category: Types of Mortgage, Interest & Fees | Last updated: 23. 07. 2020

After disappearing from the market after the financial crisis of 2008, 10 year fixed rate mortgages...

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A Guide To Remortgaging

Posted in category: Uncategorized | Last updated: 23. 07. 2020

Remortgaging refers to the process of taking out a new mortgage in order to pay off your old one. W...

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A Guide to Buy-to-Let Mortgages

Posted in category: Types of Mortgage | Last updated: 23. 07. 2020

Buying a property to rent out can seem like a great way to make easy money and save for future inve...

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Changing Employment and Applying for Mortgages

Posted in category: General Advice | Last updated: 23. 07. 2020

In general, the less time you’ve spent working for your current employer, the more of a risky...

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Costs of Buying a Home

Posted in category: General Advice | Last updated: 23. 07. 2020

If you’re looking to buy a new house, whether you’re moving into your first house or yo...

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Deposit Protection Schemes

Posted in category: Deposits & LTV | Last updated: 23. 07. 2020

Deposit protection schemes can be a great way to get reassurance as a tenant. The schemes are gover...

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Equity and Remortgaging

Posted in category: General Advice | Last updated: 23. 07. 2020

Your equity is basically the value of the share of your property that you actually own. Many homeow...

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Equity Release Mortgages

Posted in category: Types of Mortgage | Last updated: 12. 04. 2019

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A Guide to First Time Buyer Mortgages

Posted in category: Types of Mortgage | Last updated: 23. 07. 2020

You've always wanted to get on the property ladder. And now, after years of saving, you've finally...

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First Time Buyers' Guide to Mortgages

Posted in category: General Advice | Last updated: 23. 07. 2020

Taking out a mortgage for the first time can be both an exciting and a daunting time for prosp...

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Five Year Fixed Rate Mortgages

Posted in category: Types of Mortgage, Interest & Fees | Last updated: 23. 07. 2020

When you take out a fixed rate mortgage, your interest rate stays the same for the agreed term (e.g...

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Fixed Rate Mortgages

Posted in category: Types of Mortgage, Interest & Fees | Last updated: 23. 07. 2020

When people are searching for a mortgage that offers them both security and peace of mind, choosing...

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Frequently Asked Questions on Mortgages

Posted in category: General Advice | Last updated: 23. 07. 2020

We've tried to answer as many of your questions as possible, if there is something missing from her...

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Guarantor Mortgages

Posted in category: Types of Mortgage | Last updated: 23. 07. 2020

Parents often want to lend a hand to their children when it comes to helping them buy their first p...

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Help to Buy Mortgages

Posted in category: Types of Mortgage | Last updated: 23. 07. 2020

The government’s help to buy scheme is there to help people get onto the property ladder in t...

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Loan-to-Value Ratio

Posted in category: Deposits & LTV | Last updated: 23. 07. 2020

Loan-to-value ratio, or LTV, is a phrase we often see thrown about when the housing market is being...

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Mortgage Interest Rates

Posted in category: Interest & Fees | Last updated: 23. 07. 2020

When you take out a mortgage to purchase a property, the amount you have to pay back will consist o...

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Mortgage Market Review

Posted in category: General Advice | Last updated: 23. 07. 2020

The mortgage market review, or MMR, marks arguably the single biggest change to the mortgage market...

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Mortgages a Glossary of Terms

Posted in category: General Advice | Last updated: 23. 07. 2020

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Mortgages Explained

Posted in category: General Advice | Last updated: 23. 07. 2020

The world of mortgages can seem daunting and complex at first glance, with several different types...

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Mortgages for Expats

Posted in category: Types of Mortgage | Last updated: 23. 07. 2020

Getting a mortgage as an expat living in the UK can be tricky as most lenders will perceive yo...

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Mortgages for Graduates

Posted in category: Types of Mortgage | Last updated: 23. 07. 2020

There are lots of reasons why graduates might be considered poor candidates by mortgage lenders &nd...

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Mortgages with Low Deposit

Posted in category: Deposits & LTV | Last updated: 23. 07. 2020

With house prices on the rise and the market getting more and more mortgage lenders lenders are off...

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A Guide to Home Mover Mortgages

Posted in category: Types of Mortgage | Last updated: 23. 07. 2020

Moving to a new house can be an exciting but stressful time. It is a life-changing decision, and wh...

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Multiple Mortgages

Posted in category: Types of Mortgage | Last updated: 23. 07. 2020

Whether you want to buy another property for a family member to live in, or to let out to supplemen...

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Offset Mortgages

Posted in category: Types of Mortgage | Last updated: 23. 07. 2020

Offset mortgages can seem confusing at first as not many people are aware of what they are. However...

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A Guide to Remortgaging

Posted in category: Types of Mortgage | Last updated: 23. 07. 2020

If you currently have a mortgage on your home, you may not be getting the best deal. This is especi...

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Rent to Buy Homes

Posted in category: General Advice, Types of Mortgage | Last updated: 23. 07. 2020

As a first time buyer struggling to make the transition from renting to buying and to get onto the...

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Residential Mortgages

Posted in category: Types of Mortgage | Last updated: 23. 07. 2020

Given that, as of early 2015, the average house price in the UK is over £250,000, and is almo...

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Right to Buy

Posted in category: General Advice | Last updated: 23. 07. 2020

Right to buy is a government scheme designed to help tenants in council housing to buy their homes...

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Shared Ownership Mortgages Explained

Posted in category: Types of Mortgage | Last updated: 23. 07. 2020

Shared ownership mortgages are considered by many people to be the best way for first time buyers t...

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Taking Out A Mortgage With Bad Credit

Posted in category: General Advice | Last updated: 23. 07. 2020

Many people assume that if they have a poor credit rating, they will not be able to take out a...

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Two Year Fixed Rate Mortgages

Posted in category: Types of Mortgage, Interest & Fees | Last updated: 23. 07. 2020

Many people are now choosing to take out mortgages that offer fixed interest rates for a predetermi...

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Understanding Interest Only Mortgages

Posted in category: Uncategorized | Last updated: 23. 07. 2020

Interest only mortgages can seem enticing due to the lower monthly payments that they require you t...

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Using Your Pension For Buy To Let Properties

Posted in category: General Advice | Last updated: 23. 07. 2020

Due to new rules being introduced about pensions, over 55s will soon be allowed to invest their pen...

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Variable & Fixed Rate Mortgages Explained

Posted in category: Types of Mortgage, Interest & Fees | Last updated: 23. 07. 2020

It can be hard to decide upon which mortgage is right for you when you want to take out a loan to b...

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What size of mortgage can I get?

Posted in category: Types of Mortgage | Last updated: 23. 07. 2020

Before you set your heart on a house and try to take out a mortgage to cover it, you should have a...

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When should I take out a fixed rate mortgage?

Posted in category: Types of Mortgage, Interest & Fees | Last updated: 23. 07. 2020

With interest rates on fixed mortgages reaching record lows, more and more people are thinking abou...

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Getting a Mortgage on a Second Home

Posted in category: Types of Mortgage | Last updated: 23. 07. 2020

From buying a holiday home to helping a relative onto the property ladder, there are many reasons y...

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High Loan to Value (LTV) Mortgages (90% Plus)

Posted in category: Deposits & LTV, Interest & Fees | Last updated: 23. 07. 2020

Saving for a deposit as a first-time buyer can be daunting. If you’re paying rent whilst savi...

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How much deposit do I need for a mortgage?

Posted in category: Deposits & LTV | Last updated: 23. 07. 2020

Saving for a mortgage can be a daunting task but knowing how much you need to save can help make it...

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How to Get a Mortgage if You're Self-Employed

Posted in category: General Advice | Last updated: 23. 07. 2020

Getting a mortgage when you are self-employed can be challenging. There are lots of hoops to jump t...

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Interest-Only Mortgages

Posted in category: Types of Mortgage, Interest & Fees | Last updated: 23. 07. 2020

Mortgages can be complicated, and with the range of options out there it can be difficult to know w...

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Joint Mortgages

Posted in category: Types of Mortgage | Last updated: 23. 07. 2020

Often when looking to buy a new home you may want to buy with someone else. Whether you are buying...

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Lifetime Mortgages

Posted in category: Types of Mortgage | Last updated: 23. 07. 2020

If you’re looking for some extra money to top up your pension, then a lifetime mortgage could...

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No Deposit Mortgages

Posted in category: Types of Mortgage, Deposits & LTV | Last updated: 23. 07. 2020

Getting onto the property ladder can be difficult, especially with the large sums required for a de...

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Saving Money for a House

Posted in category: General Advice | Last updated: 23. 07. 2020

Buying a house is likely to be the most expensive purchase of your life. It’s therefore often...

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Self-Build Mortgage

Posted in category: Types of Mortgage | Last updated: 23. 07. 2020

Building your own home can be an exciting opportunity, but it’s important to know how to fina...

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Tracker Mortgages

Posted in category: Types of Mortgage, Interest & Fees | Last updated: 23. 07. 2020

Mortgage repayments always involve interest on top of the amount borrowed. This means that choosing...

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What happens if I miss my mortgage payments?

Posted in category: General Advice | Last updated: 23. 07. 2020

Missing your mortgage payments may seem disastrous, but if you take the right action it need not be...

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Am I eligible for a mortgage?

Posted in category: Uncategorized | Last updated: 23. 07. 2020

Since taking out a mortgage involves borrowing a large amount of money lenders won’t provide...

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Conveyancing Explained

Posted in category: Uncategorized | Last updated: 23. 07. 2020

Moving home is considered one of the more stressful processes in life as it’s often time cons...

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Mortgage Deposits Explained

Posted in category: Uncategorized | Last updated: 23. 07. 2020

It’s getting harder and harder to get on the property ladder. Houses that once were affordabl...

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Mortgage Charges, Fees and Costs

Posted in category: Uncategorized | Last updated: 23. 07. 2020

There are several factors to consider when deciding on a mortgage such as the interest rate, how lo...

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Mortgage Overpayments

Posted in category: Uncategorized | Last updated: 23. 07. 2020

If you find yourself with some extra money, then overpaying on your mortgage payments could be a po...

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What types of mortgage are available?

Posted in category: Uncategorized | Last updated: 23. 07. 2020

When choosing a mortgage, it’s normal to focus on interest and any fees you’ll be charg...

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