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- 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.
- Information For 1st Time Mortgage Buyers
- Your first mortgage will be the most significant financial undertaking of your life so far, but how exactly do you go about getting a mortgage?
- What Are Discounted Mortgages?
- Discounted rate mortgages take the lenders standard variable rate and apply a discount. By applying the discount it allows the borrower to reduce the interest rate on the loan for a set period of time.
- 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 is Adverse Credit?
- If a borrower has a history of poor credit usage then this is described as Adverse Credit, Sub Prime or just simply, Bad Credit. Poor Credit history can include County Court Judgements (CCJ's), Bankruptcy, Mortgage arrears or any late payments on credit cards, credit arrangements etc.
What Happens If We Have A Joint Mortgage, But One Of Us Wants To Leave?
This area of the law is an extremely complex one – and it all depends on who is the legal owner of the property. You can read about this matter further on http://england.shelter.org.uk/advice/advice-469.cfm
In mortgage terms – if you have a joint mortgage you are both responsible for the monthly payments. If one of you moves out, the person remaining is responsible for the whole amount, and the lender is entitled to repossess the property to pay off the mortgage if necessary.
If you find yourself having to face the mortgage payments alone then you need to get advice immediately. Contact a solicitor for advice on your rights and to work out your options, and keep your mortgage lender informed as you may need to negotiate new terms.
- Where can i buy a mortgage ?
- What is a remortgage ?
- Can I Get a Mortgage With A Group Of Friends?
- What if i die before my mortgage is paid off ?
- What happens if i cant keep up the repayments ?
- Is there any way to lower my repayments without switching mortgages ?
- How Much Is The Valuation Fee?
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