What You Need to Know Before Taking Out a Mortgage
Categories
10 Year Fixed Rate Mortgages
Posted in category: Types of Mortgage, Interest & Fees | Last updated: 15. 11. 2023
After disappearing from the market after the financial crisis of 2008, 10 year fixed rate mortgages...
A Guide to Buy-to-Let Mortgages
Posted in category: Types of Mortgage | Last updated: 04. 07. 2024
Buying a property to rent out can seem like a great way to make easy money and save for future inve...
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...
Costs of Buying a Home: Expenses Breakdown - Money Expert
Posted in category: General Advice | Last updated: 18. 07. 2024
If you’re looking to buy a new house, whether you’re moving into your first house or yo...
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...
Understanding Remortgaging and Equity - Money Expert
Posted in category: General Advice | Last updated: 18. 07. 2024
Your equity is basically the value of the share of your property that you actually own. Many homeow...
Equity Release Mortgages
Posted in category: Types of Mortgage | Last updated: 13. 01. 2021
A Guide to First Time Buyer Mortgages
Posted in category: Types of Mortgage | Last updated: 24. 07. 2024
You've always wanted to get on the property ladder. And now, after years of saving, you've...
First Time Buyers' Guide to Mortgages
Posted in category: General Advice | Last updated: 15. 11. 2023
Taking out a mortgage for the first time can be both an exciting and a daunting time for prosp...
Five Year Fixed Rate Mortgages
Posted in category: Types of Mortgage, Interest & Fees | Last updated: 06. 06. 2024
When you take out a fixed rate mortgage, your interest rate stays the same for the agreed term (e.g...
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...
Guarantor Mortgages Explained - Money Expert
Posted in category: Types of Mortgage | Last updated: 18. 07. 2024
Parents often want to lend a hand to their children when it comes to helping them buy their first p...
The Complete Guide to Help to Buy Mortgages - Money Expert
Posted in category: Types of Mortgage | Last updated: 18. 07. 2024
The government’s help to buy scheme is there to help people get onto the property ladder in t...
Loan-to-Value Ratio
Posted in category: Deposits & LTV | Last updated: 25. 07. 2024
Loan-to-value ratio, or LTV, is a phrase we often see thrown about when the housing market is being...
Mortgage Interest Rates
Posted in category: Interest & Fees | Last updated: 06. 06. 2024
When you take out a mortgage to purchase a property, the amount you have to pay back will consist o...
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...
Mortgages a Glossary of Terms
Posted in category: General Advice | Last updated: 23. 07. 2020
The Complete Guide to Mortgages - Money Expert
Posted in category: General Advice | Last updated: 18. 07. 2024
The world of mortgages can seem daunting and complex at first glance, with several different types...
Mortgages for Expats - Money Expert
Posted in category: Types of Mortgage | Last updated: 18. 07. 2024
Getting a mortgage as an expat living in the UK can be tricky as most lenders will perceive yo...
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...
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...
The Complete Guide to Home Mover Mortgages - Money Expert
Posted in category: Types of Mortgage | Last updated: 18. 07. 2024
Moving to a new house can be an exciting but stressful time. It is a life-changing decision, and wh...
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...
What is an Offset Mortgage? - Money Expert
Posted in category: Types of Mortgage | Last updated: 18. 07. 2024
Offset mortgages can seem confusing at first as not many people are aware of what they are. However...
A Guide to Remortgaging
Posted in category: Types of Mortgage | Last updated: 06. 06. 2024
If you currently have a mortgage on your home, you may not be getting the best deal. This is especi...
Rent to Buy Homes: Everything You Need to Know - Money Expert
Posted in category: General Advice, Types of Mortgage | Last updated: 18. 07. 2024
As a first time buyer struggling to make the transition from renting to buying and to get onto the...
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...
Right to Buy
Posted in category: General Advice | Last updated: 06. 06. 2024
Right to buy is a government scheme designed to help tenants in council housing to buy their homes...
Shared Ownership Mortgages Explained - Money Expert
Posted in category: Types of Mortgage | Last updated: 18. 07. 2024
Shared ownership mortgages are considered by many people to be the best way for first time buyers t...
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...
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...
Understanding Interest Only Mortgages
Posted in category: Uncategorized | Last updated: 06. 06. 2024
Interest only mortgages can seem enticing due to the lower monthly payments that they require you t...
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...
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...
What Size of Mortgage Can I Get? - Money Expert
Posted in category: Types of Mortgage | Last updated: 18. 07. 2024
Before you set your heart on a house and try to take out a mortgage to cover it, you should have a...
When should I take out a fixed rate mortgage?
Posted in category: Types of Mortgage, Interest & Fees | Last updated: 28. 10. 2021
With interest rates on fixed mortgages reaching record lows, more and more people are thinking abou...
Getting a Mortgage on a Second Home
Posted in category: Types of Mortgage | Last updated: 06. 06. 2024
From buying a holiday home to helping a relative onto the property ladder, there are many reasons y...
High Loan to Value (LTV) Mortgages (90% Plus)
Posted in category: Deposits & LTV, Interest & Fees | Last updated: 28. 10. 2021
Saving for a deposit as a first-time buyer can be daunting. If you’re paying rent whilst savi...
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...
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...
Interest Only Mortgages - Money Expert
Posted in category: Types of Mortgage, Interest & Fees | Last updated: 18. 07. 2024
Mortgages can be complicated, and with the range of options out there it can be difficult to know w...
Complete Guide to Joint Mortgages - Money Expert
Posted in category: Types of Mortgage | Last updated: 18. 07. 2024
Often when looking to buy a new home you may want to buy with someone else. Whether you are buying...
Understanding Lifetime Mortgages - Money Expert
Posted in category: Types of Mortgage | Last updated: 18. 07. 2024
If you’re looking for some extra money to top up your pension, then a lifetime mortgage could...
Mortgage Options with No Deposit - Money Expert
Posted in category: Types of Mortgage, Deposits & LTV | Last updated: 18. 07. 2024
Getting onto the property ladder can be difficult, especially with the large sums required for a de...
Top Tips on Saving Money for a House - Money Expert
Posted in category: General Advice | Last updated: 18. 07. 2024
Buying a house is likely to be the most expensive purchase of your life. It’s therefore often...
Self Build Mortgages - Money Expert
Posted in category: Types of Mortgage | Last updated: 18. 07. 2024
Building your own home can be an exciting opportunity, but it’s important to know how to fina...
Tracker Mortgages Explained - Money Expert
Posted in category: Types of Mortgage, Interest & Fees | Last updated: 18. 07. 2024
Mortgage repayments always involve interest on top of the amount borrowed. This means that choosing...
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...
Am I Eligible for a Mortgage? - Money Expert
Posted in category: Uncategorized | Last updated: 18. 07. 2024
Since taking out a mortgage involves borrowing a large amount of money lenders won’t provide...
Conveyancing Process Explained - Money Expert
Posted in category: Uncategorized | Last updated: 18. 07. 2024
Moving home is considered one of the more stressful processes in life as it’s often time cons...
Mortgage Deposits Explained - Money Expert
Posted in category: Uncategorized | Last updated: 18. 07. 2024
It’s getting harder and harder to get on the property ladder. Houses that once were affordabl...
Mortgage Charges, Fees and Costs
Posted in category: Uncategorized | Last updated: 27. 10. 2021
There are several factors to consider when deciding on a mortgage such as the interest rate, how lo...
Mortgage Overpayments: What You Need to Know - Money Expert
Posted in category: Uncategorized | Last updated: 18. 07. 2024
If you find yourself with some extra money, then overpaying on your mortgage payments could be a po...
What types of mortgage are available?
Posted in category: Uncategorized | Last updated: 27. 10. 2021
When choosing a mortgage, it’s normal to focus on interest and any fees you’ll be charg...