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UK Mortgage News

February saw mortgage lending dip 16%

According to the CML 18,700 loans with a total value of £2.7bn were advanced to first-time buyers in February, however as reported by banks and building societies, this number reflects a 16% year on year fall. Read the article here.

While wealthy homebuyers are being refused mortgages, pensioners can now access loans up to age 105

You can still be too old for a loan even when your income is £65,000; this is the message that some lenders are sending. This means that home owners are still not being offered the same flexibilities, even when they have the most secure form of income. Read the article here.

Buy-to-let investors have been raking in returns of up to 1,400% since 1996

Britain’s property boom continues to rise as landlords cash in while the performance of shares, bonds and cash all trail behind. In fact, on average, £1,000 invested in a buy-to-let asset in the final quarter of 1996 was worth £14,987 by the end of last year. Read the article here.

5m borrowers are facing a mortgage rate increase instead of a decrease

Despite record low mortgage rate offerings by most lenders, the Bank of England data shows that SVR rates are in fact rising. Subsequently, millions of buyers are not capitalising on the new record low rates. Read the article here.

First-timers are buying later because of the downturn in housing turnover

Baby boomer home ‘hoarding’ means average property changes hands every 23 years compared to eight in the 1980s and rental properties are staying in the hands of landlords longer. Even while cash makes up a bigger proportion of money spent on house purchases than mortgages. 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 April 18 2015

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% Arrangement £300 - Can I Really Get This Rate?
Coventry BS 1.89% reverting to 0% 2.0% Variable Term 75% Booking £800 - Can I Really Get This Rate?
Coventry BS 2.09% reverting to 0% 2.2% Variable Term 80% Arrangement £800 - Can I Really Get This Rate?
Coventry BS 2.35% reverting to 0% 2.5% Variable Term 85% Arrangement £800 - Can I Really Get This Rate?
Coventry BS 2.65% reverting to 0% 2.7% Variable Term 85% Arrangement £300 - Can I Really Get This Rate?

See all the UK's Best Buy Mortgages Tables

 
You can save between £6,000
and £15,000 on your Mortgage

Get a custom rate and see how much you will save
by filling out the quick form below.

Value of Property
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Type of Mortgage
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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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