Mortgage Articles

1 Best mortgage deal UK - put your best foot forward!

2 Getting the Best Mortgage Loan With a Bad Credit Rating

3 Home mortgage loans

4 How to Tell if a Variable Rate Mortgage is for You

5 Interest Only Home Loans

6 Mortgage - Provides you the Best Deal against your home

7 Mortgage Research Good News for House Buyers

8 Mortgages: encouraging stronger personal economic growth

9 Rate Tarts No Longer Welcomed By Mortgage And Credit Card Providers

10 Refinance home: distilling cash by renewing home loan

11 Foreign Currency Mortgages - what are they and what are the risks?

12 Adverse Credit - When is a credit history described as adverse?

13 ReMortgaging - is it still worthwhile?

14 Buy to Let Mortgages. Boom time returns.

15 Mortgages. Higher Lending Charges are outrageous.

16 Mortgages and Loans. Islamic finance avoids interest.

17 Loans. Mortgages. Credit cards. Interest rate rises around the corner.

18 Mortgages. The pitfall of Interest Only mortgages.

Mortgage FAQ'S

• What exactly is a mortgage?

  Hot Topics

  Income Multiples Explained

  If you are an employee, the majority of mortgage lenders will calculate the maximum size of a mortgage loan based on your salary.

  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.

  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.

  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.

  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 is a mortgage in principle ?
• How long are mortgages for ?
• How does a joint mortgage work ?
• How much is the valuation fee
• What is conveyancing ?
• Do I need a guarantor ?
• How do I prove my income
• Mortgages explained
• What will the initial costs of buying a house be
• How much can I afford?
• What is a loan to value (LTV) ratio?
• Income Multiples
• How much deposit do I need?
• Will I have to pay an arrangement fee and how much will it be ?
• What is a Mortgage Indemnity Guarantee (MIG) and will I have to pay it?
• What happens during the mortgage application process?
• No proof of income
• What happens if I am self-employed ?
• Interest rates explained
• How is interest calculated on a mortgage
• What happens if I can't keep up my repayments ?
• Is there any way I can lower my monthly repayments without switching mortgages ?
• What happens if there's a shortfall at the end of my mortgage term ?
• What if I die before my mortgage is payed off ?
• Mortgage arrears
• Bank defaults
• CCJ's - County Court Judgements
• Bankruptcy orders
• What are redemption penalties ?
• What is a remortgage ?
• What happens if interest rates change ?
• Where can I buy a mortgage ?
• Mortgage glossary
• Repaying mortgages
• Can I take a break from making my mortgage repayments ?
• Can I repay my mortgage early ?
• Can I get a mortgage with a group of friends ?
• Do in need mortgage payment protection insurance ?
• Do I need home and contents insurance ?
• Unusual properties
• Company directors
• What happens if I am refused a mortgage ?
• What happens if I want to move home ?
• What happens if we have a joint mortgage but one of us wants to leave ?
• How do I know if I should switch mortgages ?
• How do I switch mortgages ?
• Capped Mortgages
• Base Rate Tracker Mortgages
• Self Certification Mortgages
• Isa Mortgages
• Flexible Mortgages
• Low Setup Cost Mortgages
• Equity Release Mortgages
• Buy to Let Mortgages
• Right to Buy Mortgages
• Commercial Mortgages
• I have been turned down for a loan or credit cards, will I still be able to get a mortgage ?
• Previously declined
• Refinance mortgages
• First time buyer mortgage
• 100% Mortgages
• Cash Back Mortgages
• Fixed Rate Mortgages
• Variable Rate Mortgages
• Discounted rate mortgages
• What if I have bad credit ?
• Adverse credit
• Credit problems
• Reposession orders

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