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UK Mortgage News

Landlords suffer lost in latest round of tracker mortgage fight

The landlords fighting West Bromwich Building Society over a change in their mortgage terms made in December 2013 which severely affects millions of borrowers. The move affects professional landlords with three or more properties and saw them complaining about the rise which came despite Bank of England base rate remaining glued at 0.5 per cent since March 2009. Read the article here.

More than 476,000 people with self-cert loans could be unable to remortgage or move

Brokers estimate that around 5pc of all borrowers, more than 476,000 people, have a self-cert loan because the majority could not prove their income and so failed to meet lenders’ tough new affordability criteria. Read the article here.

The use of the bank of mum and dad has skyrocketed

According to a Lloyds Bank savings report parents pay £13,281 on average to fund their children’s first home adding up to a collective £8billion in deposits each year and with house prices having increased by 26 per cent since early 2009, and 68 per cent in London, this is not surprising news as the nationwide average house price reaches £188,559. Read the article here.

The typical buyer will need to find £71k to buy a home in the UK

Mortgage brokers are reporting that stricter lending criteria have helped to increase the property deposits to 30.7% of the value or £71,078, the highest level since October 2013; although the stamp duty reforms are also encouraging buyers to put down more. Read the article here.

You may have to save for more than a decade to buy your first home in Britain

According to research from the housing charity Shelter, with rising house prices, low-earnings growth and the high cost of living; the average first-time home buyer will need to save up for more than six-and-a-half years to raise the 20% deposit needed to afford a home. 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 February 01 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 3.29% reverting to 0% 3.4% 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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