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UK Mortgage News

The Bank of England governor has promised a thorough review of its payment system crash

Governor Mark Carney has apologised for the failure of the system used for large transfers, effectively impeding the transfer of funds to homebuyers. This after the payment system which processes payments worth an average £277bn a day had failed for nearly 10 hours. Read the article here.

It may take you less than 30 minutes to find your home

The average buyer spends only 25 mins and 30 secs viewing a house before deciding to buy, according to studies done by Barratt Homes; who have labelled it the £10k-a-minute decision, even though purchasing a home is the single largest financial undertaking of one’s life. Read the article here.

200,000 more homes need to be built according to the Lyons review

Lyons warns that the land shortage in the UK is an “artificial scarcity which incentivises trading in land rather than building on it” and suggests that the government force local councils to produce and follow housebuilding plans. Read the article here.

There are several factors that predict when mortgage rate increases are imminent

Mortgage rates are determined by whether banks can access cheap money at certain “swap” rates to lend out, usually gained from savers or by borrowing from other banks. These swap rates react to gilt yields, which reflect expectations of future interest rates and inflation. Read the article here.

In London, an 80% mortgage can now only be afforded by persons earning more than £100,000

The National Housing Federation is reporting that house prices in London are increasing by 20% each year and only persons who earn three times the average salary can hope to gain a typical 80% Mortgage. The rate of increase in London is also five times the rate in the north-east of England. Read the article here.

Research indicates that even with high property costs, owning a home is cheaper now than in 2008

According to Hamptons, reports indicate that even with the cost of houses and cost of living freezes families are now in a more favourable position because of rock bottom mortgage repayment rates. Read the article here.

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Welcome to Mortgage Sorter

We’’ve helped many thousands of people, just like you, find their best possible mortgage deal by giving easy to understand information that you can digest quickly and take action on.

(In case you’’re wondering, we are one of the most well established UK Mortgage websites –- online for over ten years –- and are totally independent of any bank, mortgage lender or mortgage broker).

You get everything you need to know from basic stuff like What exactly is a mortgage? To more detailed action points like How to find the best mortgage for your needs …

Checkout The Latest Best Buy Tables

Variable Rate Mortgages at October 23 2014

Mortgage Lender* Rate* APR Cost* Type Period* Max LTV* Fee* Redemption* More Info
Coventry BS 1.89% reverting to 0% 2.0% Variable Term 65% Booking £199, Arrangement £300 - Can I Really Get This Rate?
HSBC 2.19% reverting to 0% 2.3% Variable Term 70% Booking £499 - Can I Really Get This Rate?
Coventry BS 2.19% reverting to 0% 2.3% Variable Term 75% Booking £199, Arrangement £300 - Can I Really Get This Rate?
Coventry BS 2.25% reverting to 0% 2.4% Variable Term 80% Booking £199, Arrangement £800 - Can I Really Get This Rate?
Coventry BS 2.65% reverting to 0% 2.8% Variable Term 85% Booking £199, Arrangement £800 - Can I Really Get This Rate?
Coventry BS 3.55% reverting to 0% 3.7% Variable Term 90% Booking £199, Arrangement £300 - Can I Really Get This Rate?

See all the UK's Best Buy Mortgages Tables

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The Three Most Important Things When Seeking a UK Mortgage

1) Research ! Research ! Research !

Choosing the right mortgage for your personal needs can make a huge difference to what you pay. So it’s good that you’re here ! It can all look very complex to non-mortgage professionals – and the “industry” makes extra money from this confusion. (Funny that !) But we’ll quickly help you simplify things.

2) Shop Around

Under no circumstances should you just take the first deal you are offered. Regardless of what you may think –- or be told –- if one mortgage lender has made you an offer this means others will. And their rate may be better. So keep shopping.

3) Get Three Quotes

You should aim to get at least three quotes or you could be overpaying by thousands of pounds.

Don’’t let your “trusted” bank fool you into taking their mortgage. (The days of loyalty to long-standing customers are long gone). Even if you are offered a “special loyalty rate” always get a comparison with other products.

The easiest way to get several quotes is by asking an independent mortgage adviser to help you. But make sure they truly are independent (See the Different Types of UK Mortgage Advisers).

Mortgagesorter Guide to Choosing Your Mortgage

Your step-by-step guide to getting a UK mortgage with lowest UK mortgage rates and the latest home online mortgage loan quotes

Mortgagesorter Guide to Buying and Selling Your Home

Save time, money and effort here with all the latest tips and trade secrets

  • Learn how to get your seller’s Estate Agent on your side…

  • Find out how to get properties at a 30% plus discount

  • Discover how you can avoid being gazumped at the last minute.

  • PLUS all the top tips.

  • Fast, user-friendly info…

Jargon-free Guides to Different Types of Mortgage

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