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UK Mortgage News

Larger than expected decrease in approvals has added to growing evidence that the UK housing market is cooling

The Bank of England reports that there were 61,267 mortgages approved in September, down from 64,054 in August, which represents a 14-month low. Read the article here.

40-year interest-only mortgages now sought after to combat lending rules restrictions

According to figures from the Council of Mortgage Lenders, borrowers with a typical loan of £150,000 taken over 25 years have to prove they can afford repayments of around £1,060 a month rather than £830; thereby forcing borrowers to opt for loans that last as long as 40 years. Read the article here.

Tips on how to get onto the property ladder when you’re self employed

The hard truth is that lenders often don’t trust self-employed persons and have subsequently instituted severe hurdles, beginning with three years of audited accounts for mortgage approvals; even though more than 4.6 million people are now self-employed. Read the article here.

Cambridge house prices have risen faster than any other city in the UK

House prices in Cambridge have exceeded their previous record highs and are now a third higher than their prior peak in 200. The cost of housing has increased by an average of £53,000 over the past year alone. Read the article here.

Record low mortgage rate of 0.99pc offered by HSBC

Mortgage brokers said someone borrowing £150,000 could cut monthly repayments by £3,500 a year by switching to the new deal, which makes 0.99 per cent the cheapest ever rate in Britain; leading mortgage experts to suggest that the housing market could rise again after the summer lull. Read the article here.

Shetland may be the cheapest place in the UK to build your own home

According to the National Custom & Self Build Association (NaCSBA) approximately seven million people in Britain will try to build their own homes and with areas like the Bay of tranquility in the Scalloway village; an affluent area with enticingly low property prices in the Shetlands Islands, it may just be the perfect coastal location. 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 01 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% 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 2.15% reverting to 0% 2.3% Variable Term 80% Booking £199, Arrangement £800 - 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 2.65% 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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