Hot Topics

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.
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.
Unusual Properties: What happens if I have an unusual property?
What Happens If There’s A Shortfall At The End Of My Mortgage Term?: There has been a lot of publicity lately about endowment policies that have not been sufficient to pay off the mortgage at the end of the term. As an investment vehicle for new customers, they are virtually obsolete, as with a fluctuating economy there is no guarantee that the resulting balance will cover the mortgage requirements.
What Are ISA Mortgages?: If you take out an intrest only mortgage your lender will expect you to put in place a ‘financial vehicle’ capable of repaying your mortgage at the end of the mortgage term.

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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