Unusual Properties
Hot Topics
- Do I Need a Guarantor?
- If your lender is concerned about your ability to meet your mortgage commitments, they may ask you to provide a Guarantor.
- What Are The Different Ways You Can Pay Off a Mortgage?
- Capital & Interest - otherwise known as a repayment loan. The borrower pays an amount each month to cover the amount borrowed and the interest charged on that.
- What Are Redemption Penalties?
- Redemption penalties are your lender’s way of getting extra money out of you when you decide to cancel your mortgage agreement early.
- Cashback Mortgages
- Cashback Mortgages provide you with a lump sum of cash upon completion of the property purchase, either as a percentage of the mortgage or a fixed sum.
- What Are Flexible Mortgages?
- Generally, people rebroke their mortgage deal once every five or six years. They also may change their mortgage lender at the end of a discounted or fixed period. Chances are in that in the time between their last remortgage, the mortgage market will have changed a great deal.
What happens if I have an unusual property?
If you have an unusual property, you may find it harder to get a mortgage from a regular high street lender. However our mortgage partners have all the systems in place to deal with any type of property, and will be sure to find you some extremely competitive quotes.
In general, your property is expected to be made of brick or stone walls and a tile or slate roof. If your property has been constructed of any other materials such as concrete, prefab or wood then your home will be considered as an unusual property construction and this may well cause you to be over looked by the high street lenders. Properties in non-standard locations such as above shops, below street level and high-rise flats are also defined as ‘unusual properties’.
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