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Hot Topics
- What is a Mortgage in Principle?
- A Mortgage in Principle is a conditional offer made by a mortgage lender to verify that they will ‘in principle’ give you the mortgage loan you have discussed with them.
- How long are mortgages usually for?
- As with any loan, you can choose to take your mortgage out for any amount of time – however the norm is 25 years.
- Can I Get a Mortgage With A Group Of Friends?
- You are allowed to get a mortgage with up to three friends in the same way that you are allowed to get a mortgage with a partner – an idea that is appealing to more young professionals at the moment.
- What Happens If I Am Refused A Mortgage?
- If you are refused a mortgage it will be because you have a poor credit rating and/or a bad credit history.
- Can I Take A Break From Making My Mortgage Repayments?
- The ability to take a break from mortgage repayments is a feature of the Flexible, Current Account and Offset mortgages.
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.
- How Does A Joint Mortgage Work?
- What are redemption penalties ?
- What happens if i cant keep up the repayments ?
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