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For most people, buying a house is the most expensive purchase they will ever make and it’s important to get the best deal for your circumstances. However, navigating the huge range of mortgage products on the market is not for the faint-hearted.
Mortgage Protection Insurance
A mortgage is the biggest financial commitment most of us will ever take on and if for whatever reason you’re unable to work you will still be expected to make your repayments.
Mortgages explained
It is always important to shop around for the best deal, especially with a financial undertaking as large as a mortgage. However with over 3000 products on the market, finding the right deal is daunting.
Find the right mortgage
It is always important to shop around for the best deal, especially with a financial undertaking as large as a mortgage. However with over 3000 products on the market, finding the right deal is daunting.
Fixed or variable Mortgages
Whether to choose a fixed or variable interest rate is a difficult choice all borrowers have to make when picking a mortgage product. But in the current economic environment, that decision is more finely balanced than ever.
Tracker Mortgages
Tracker mortgages are a type of variable rate mortgage where the interest rate moves in line with the Bank of England’s base rate. You can get mortgages that track base rate for a few years or for the entire life of the loan
Interest only vs repayment mortgages
There’s all sorts of jargon to get to grips with when considering mortgages, but one of the most crucial matters to grasp is the difference between an interest-only and a repayment mortgage.
Offset mortgages explained
Whether you’re a first-time buyer or looking to move home, this calculator will give you an idea of how much you can borrow.
Self-employed mortgages
One of the misconceptions about the mortgage market is that it is now very difficult for self-employed people to borrow. In fact, the self-employed are as likely to be able to borrow as anyone else.
When will interest rates go up
The Bank of England base rate has been at all time lows for over three years. But when will rates start to rise again, and what will the effect be on mortgage rates?
What is Libor?
Libor stands for the London Interbank Offered Rate, and is the rate at which banks lend to each other. But what’s it’s relation to mortgage interest rates?
Stamp duty
Most people will need to pay stamp duty land tax – stamp duty for short – when buying property.
Dealing with estate agents
If you’re moving house choosing the right estate agent, and solicitor to manage the conveyancing process, will help to make sure everything goes smoothly.