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- How Does A Joint Mortgage Work?
- When you decide to get a mortgage with another person – both your incomes can be taken into account. The general rule is that you can borrow three times the first income plus half of the second income, or two-and-a-half times the joint income.
- Refinance Mortgage
- What is a Refinance Mortgage?
- What are 100% Mortgages?
- Most mortgage lenders will only offer a 90% loan to value, that means that they will only loan you 90% of the properties value. First time buyers find this particularly problematic because they need to save up there 10% of the properties value before they can complete on their mortgage.
- What Are Capped Rate Mortgages?
- A capped rate mortgage puts a limit on maximum interest payable on your mortgage over a predetermined period. If the mortgage rate is BELOW the cap the borrow will enjoy the lower interest rate available.
- 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.
What Happens If I Want To Move Home?
Moving home is basically the same as moving into your first home, in mortgage terms. You are free to find yourself another mortgage with either your existing lender or another lender – and can shop around for the best deal on the market.
You do not need to transfer your mortgage with the same lender over to your new house – your contract simply ends – to be replaced by a new mortgage.
The best thing to do is complete the mortgage quotation request on this website and we'll get a fully qualified independent mortgage adviser to phone you back to discuss your options and find you a great mortgage deal for your new home.
- Where can i buy a mortgage ?
- How long are mortgages usually for ?
- Can I Get a Mortgage With A Group Of Friends?
- What are redemption penalties ?
- What if i die before my mortgage is paid off ?
- What Will The Initial Costs Of Buying A House Be?
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