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:
Company Directors
Are you a company director and looking for a mortgage, or remortgage to refinance your home? Our mortgage partners can arrange a mortgage for directors and the self employed, even those with less that two years accounts & low profits.
The Mortgage Glossary
APR - This stands for Annual Percentage Rate and should be used to compare the costs of credit.
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.
Equity Release
Equity Release is a means of using the value of your home to receive either a lump sum of cash or regular monthly instalments.

How Much Deposit Do I Need?

As a general rule of thumb, you need to make a deposit of about 15 – 30% of the total amount you are borrowing.

The more you can give as a deposit, the more favourable your mortgage terms will be, as your loan will not be perceived to be as much of a risk. This means better interest rates, and in general, because of the size of your deposit you will not have to pay as much interest back.

If you cannot make a deposit, you will need to get a 100% mortgage ( currently not available ). These are harder to come by and the interest rate will not be favourable, you may also find that you have to provide a Guarantor to satisfy the lender’s concerns that you might not be able to meet your mortgage commitments.




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