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UK Mortgage News

Too early to send in the verdict on the new affordability rules

Despite slowing down for four months, UK banks realise a 4% increase in mortgage approvals in June. Read the article here.

Aspiring homebuyers say it’s harder to get lending now than three months ago

According to Zoopla, the MMR and other new lending rules, including caps on high loan-to-income values have both slowed down the mortgage application process and made securing finance more difficult. Read the article here.

Bank of England Governor says low interest rates are a threat to UK stability

Mark Carney said that the housing bubble risks a return to recession as households take on more debt to afford a new home, limiting their ability to spend money on other things and dragging the economy back into retrenchment. Read the article here.

Young persons unable to buy due to high rent payments

The young are being left off the property ladder as they pay double for rent what some homeowners pay for mortgages. Read the article here.

The housing market is back on the rise after a five-month pause

Bank of England data showed that mortgage approvals increased in June for the first time since January, indicating that the recent slowdown may have ended. Read the article here.

Experts say that the impeding rate increases may put homeowners in financial hardship

New buyers are being asked by banks to consider how higher interest rates will affect their ability to repay. Read the article here.

Rising house prices are a barrier to buy

According to a consumer survey, while buyers flee, sellers are looking to cash in as confidence in the market has slipped back to its lowest levels in at least three years. Read the article here.

See Older News Reports

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 July 31 2014

Mortgage Lender* Rate* APR Cost* Type Period* Max LTV* Fee* Redemption* More Info
Coventry BS 1.99% reverting to 0% 2.2% Variable Term 65% Booking £199, 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 2.35% reverting to 0% 2.4% Variable Term 75% Booking £199, Arrangement £300 - Can I Really Get This Rate?
HSBC 2.59% reverting to 0% 2.7% Variable Term 80% Booking £499 - Can I Really Get This Rate?
Coventry BS 3.10% reverting to 0% 3.2% Variable Term 85% Booking £199, Arrangement £300 - Can I Really Get This Rate?
Coventry BS 4.15% reverting to 0% 4.3% Variable Term 90% Booking £199, Arrangement £800 - Can I Really Get This Rate?

See all the UK's Best Buy Mortgages Tables

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Value of Property
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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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