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UK Mortgage News

Steep fall in mortgage costs could have borrowers saving £2,000-a-year

Looking to renew a five-year fixed mortgage? You could save more than £200 a month. Due to sharp declines in interest rates charged since November 2009, when the average five-year rate stood at 6.2 per cent mortgage. Moneyfacts analysts indicate that the rates are currently 3.92 per cent – more than a third lower. Read the article here.

The average lifespan is not enough to pay off a mortgage

With official figures showing about 400,000 over-65s still with mortgages, a figure that is growing by about 10% per year. These over-65s are usually facing inadequate pensions and looming care bills with no way to pay off their mortgages. Read the article here.

Increased public sector housebuilding boosts construction industry

The Housing Associations reports the biggest monthly jump in building activity since 1997 with a 1.8% increase in September’s output. The Office for National Statistics said a strong flow of housebuilding over the last year was single biggest factor in revitalising the sector, after a 22.3% increase in activity since September 2013. Read the article here.

Winter buyers sought after with falling property prices

Rightmove says high prices and new mortgage lending rules have put a temporary brake on the ‘mini-boom’. Nevertheless, figures from the property website showed that asking prices for homes coming onto the market in November were down 1.7% on October, which shaves £4,542 off the average property price bringing it to £267,127, is the smallest in five years. Read the article here.

A lot of borrowers who apply to port their loan to a new house are being rejected

Porting comprises of a new application and credit check and as such many borrowers do not meet the new affordability rules put in place in April, even when they are trying to downsize and reduce their debt; this has led the City regulator and financial ombudsman to start getting tough on those lenders who unfairly reject borrowers’ requests to transfer their mortgage. Read the article here.

Mortgages reach highest level since 2007

The Council of Mortgage Lenders has indicated that the third quarter of the year saw Lenders’ figures reporting 188,000 mortgages worth £32.4bn advanced from July to September which is the highest totals since the final three months of 2007. 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 November 23 2014

Mortgage Lender* Rate* APR Cost* Type Period* Max LTV* Fee* Redemption* More Info
Coventry BS 1.79% reverting to 0% 1.9% Variable Term 65% Arrangement £300 - Can I Really Get This Rate?
Coventry BS 2.15% reverting to 0% 2.3% Variable Term 80% Arrangement £800 - 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% Arrangement £300 - Can I Really Get This Rate?
Coventry BS 2.65% reverting to 0% 2.8% Variable Term 85% Arrangement £800 - Can I Really Get This Rate?
Coventry BS 3.55% reverting to 0% 3.7% Variable Term 90% 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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