Hot Topics

What Will The Initial Costs Of Buying A House Be?
Before you actually move into your new property – you will have to pay a series of initial costs to cover the following:
How Much Can I Afford?
You have to be very careful when buying a house to be sure that you will be able to afford the monthly mortgage repayments – as you risk losing your home completely if you find you simply cannot afford it.
Income Multiples Explained
If you are an employee, the majority of mortgage lenders will calculate the maximum size of a mortgage loan based on your salary.
How Much Is The Valuation Fee?
The Valuation fee covers the expense of the mortgage lender visiting your prospective property to ensure that it is worth what you are intending to pay.
What if I have mortgage arrears?
If you have mortgage payments that have not been made by the due date in accordance with the mortgage deeds, you will have gained a bad credit history on your credit report. This may hinder you when trying to obtain further credit such as a credit card, loan, or another mortgage.

How Do I Know If I Should Switch Mortgages?

The mortgage market changes on a regular basis - and it is quite possible that just a few years after taking out your mortgage there will be plenty of better deals out there with more favourable interest rates.

To make sure you’re not paying over the odds - keep your eye on the mortgages market, and be aware of better deals when they arise. You can find out what the latest deals are by simply looking in the newspaper, on the Internet, and in the shop windows of high street lenders. Remortgaging is not a big hassle, and it only takes 4 to 6 weeks to get it all sorted, so don’t let the thought of it put you off. It’s in your best interests to change mortgage, especially if you don’t have to pay any redemption penalties, and if another lender’s mortgage rates are 1% less than your own!

It’s always a good idea to take advice from an independent mortgage adviser before switching mortgages.

If you're interested in saving money by switching your mortgage click on the request a quote button and fill in your details. A mortgage adviser will phone you back to discuss your options.


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