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Mortgages

Mortgages

Buying a home is one of the biggest and most expensive events in a person’s life. However, property is very expensive, so it is very rare that someone can afford to buy a home outright. They need a mortgage.

Whether you’re a first time buyer, or looking to move house, the information linked below will help you on the path to becoming a home owner.

What is a Mortgage?

What is a Mortgage?

Homes are expensive. Even the smallest tend to reach past the £100,000 threshold, and a lot of people simply can’t afford this in absolute terms. In order to buy a home then, people usually have to take out a very large loan from a lender.

Mortgage Fees

Mortgage Fees

Mortgages are one of the biggest outgoings a person or family will have, but as well as the ongoing payments and interest that needs to be paid, there are upfront costs that need to be considered.

Types of Mortgage

Types of Mortgage

There are different types of mortgages, classified by the way the interest on them is charged, or how the interest rate changes over time. Each has its own benefits and negatives. You will have to shop around, consider all types of mortgages, see what is on offer, and work out which one benefits you the most.

Variable Rate Mortgage

Variable Rate Mortgage

Discount Mortgage

Discount Mortgage

Fixed Rate Mortgage

Fixed Rate Mortgage

Capped Rate Mortgage

Capped Rate Mortgage

Tracker Mortgage

Tracker Mortgage

Offset Mortgage

Offset Mortgage

Mortgage Repayment Options

Mortgage Repayment Options

Once you’ve secured a mortgage and paid the fees that are needed during set up, you can begin to pay off the mortgage itself.

How Do Lenders Assess Borrowers?

How Do Lenders Assess Borrowers?

Each mortgage is a risk for the lender, and they have to assess that risk and see if it is worth lending out the money.

What to Take to a Mortgage Meeting

What to Take to a Mortgage Meeting

When applying for a mortgage, you will have to set up a meeting and go to the bank to discuss your situation and the deal you want to arrange with them.

Can I Afford a Mortgage?

Can I Afford a Mortgage?

Before becoming a home owner, you need to make sure that you are able to afford it.

How to get the Right Mortgage Deals

How to get the Right Mortgage Deals

When looking for a mortgage, it is important for you to seek professional advice, which can help tailor a mortgage to your individual situation and circumstances.

What to Look for in a Mortgage

What to Look for in a Mortgage

While the lenders will be scrutinising borrowers, those who are looking to borrow also need to make sure that they scrutinise the mortgages that they are going to buy into.

MORTGAGE ENQUIRY FORM

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Homebuy Guides

First Time Buyers

First Time Buyer Guide

Mortgages

What is a Mortgage?
Types of Mortgages
Mortgage Fees
Mortgage Repayment Options
Can I Afford a Mortgage?
How do Lenders Assess Borrowers?
How to get the Right Mortgage Deals
What to Take to a Mortgage Meeting
What to Look for in a Mortgage

Remortgages

What is a Remortgage?
Types of Remortgages
Remortgage Fees
Remortgage Repayment Options
Can I Afford a Remortgage?
How do Lenders Assess Borrowers?
How to get the Right Remortgage Deals
Docs required for Remortgage
What to Look for in a Remortgage

Buy to Let Mortgages

What is a Buy to Let Mortgage?
Buy to Let Mortgage Types
BTL Mortgage Fees
BTL Mortgage Repayment Options
Can I Afford a BTL Mortgage?
How do Lenders Assess Borrowers?
How to get the Buy-to-Let Deals
Docs required for BTL Mortgage
What to Look for in BTL Mortgage

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What is Right to Buy?
Housing Association Properties
Am I eligible for Right to Buy
Right to Buy Discounts
Buying Under Right to Buy
Alternatives to Right to Buy

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Shared Ownership Schemes

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Specialist Mortgages

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