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Category Archives: Mortgage Know How
Is overpaying your mortgage the right choice for you? The pros and cons
With the world almost grinding to a halt over the last 18 months and national lockdowns keeping everyone in their homes, many Brits have managed to save a little extra money.
Posted in Mortgage Know How
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UK high street banks launch their lowest fixed-rate mortgage deals ever
Mortgage rates have dropped steadily throughout 2021, as lenders have battled for customers in a tough, low-interest environment. The first sub-1% deals started appearing in June, with HSBC introducing a 0.99% two-year fixed-rate deal for the first time since 2016. … Continue reading
Posted in Interest Rates, Lenders, Mortgage Know How
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What are 95% loan-to-value mortgages and how could they help you?
One of the most notable announcements from the chancellor’s spring Budget was the news that the government would be reintroducing government-backed, 95% loan-to-value (LTV) mortgages. Helping people get onto the property ladder was a key part of this government’s manifesto, … Continue reading
Could a longer “marathon” mortgage be right for you? Here’s what you need to know before choosing a 40-year mortgage
2020 proved to be a whirlwind year for house prices. Despite the economic slowdown caused by the coronavirus pandemic, the average UK house price rose £13,316, with the Times reporting that it reached an all-time high of £230,920.
Should I overpay on my mortgage? Here’s what you need to know
If you’ve got extra cash to spare, you might be considering making overpayments on your mortgage. Overpaying could reduce your monthly repayments, shorten your mortgage term, and save you money in interest. However, it isn’t necessarily the right decision for … Continue reading
Your complete guide to mortgages
At some point in our lives, most of us will need to take out a mortgage if we aspire to own a home. Yet, mortgages and the process of securing one can still be filled with jargon and other complexities. … Continue reading
How can a first time buyer get a mortgage?
They say buying a house is one of the biggest financial decisions you’ll ever make, and for any first time buyer this is a daunting prospect. The mortgage market can be a difficult place to navigate and this is especially … Continue reading
95% remortgages available
There has been lots of talk about the new Government Schemes helping people get on the ladder. But what about the people who are already on the ladder? Well we have a lender that can help people remortgage up to … Continue reading
Top 5 reasons to choose a 5 year Fixed Rate mortgage
Are you wondering whether to go for a 2, 3, 4 or 5 year fixed rate mortgage? Over the past few months there have been some great headline rates on offer for short term deals – but are they really … Continue reading
Mortgage rates reach record low
In recent months, some of the best mortgage rates I’ve ever seen have come onto the market. There’s no doubt that the Funding for Lending Scheme, the joint initiative of the Government and Bank of England to get lenders lending … Continue reading →