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UK Mortgage News

Lenders get tough on first-time buyers in London

First-time buyers in the capital, who, in part, drove the 2014 surge in demand by borrowing £2.9bn or 12,000 loans in the final quarter of last year, an 11% drop in value from the previous three month period and a 4% drop from the winter of 2013. Even thought the income-to-loan ratio dropped back from 3.86 to 3.84 indicating a newly cautious borrower and stricter lending criteria. Read the article here.

London property starts year in negative territory for first time since 2009

The Land Registry figures show average London house prices now rests at £179,492, while values slipped 0.2% monthly with the North West performing best. The annual rise was also 6.7%, a figure that has gradually fallen from the peak of 8.2% reached in August 2014. Read the article here.

Loan costs for equity release mortgages decline

Being asset rich but cash poor is the way that Britain’s ageing population is now being viewed and as such the market for special mortgages that allow the elderly to release cash from their homes is enjoying a resurgence, buoyed by falling interest rates, rising house price. This is evident in the more than 21,000 new customers that used “equity release” to withdraw a record £1.4bn in cash from their property wealth in 2014, a 14% rise from the previous high in 2007. Read the article here.

After seemingly unstoppable increases, London house prices slow down in January

The Land Registry reported that London house prices have decreased by 0.2% in January, bringing the annual rate of inflation in the capital down to its lowest level in a year as the gap between capital and country narrows amid doubts over mortgage rules and mansion tax. 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 March 02 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?

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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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