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What is a mortgage?

A mortgage is a loan you take out from a mortgage lender to help pay for a property.

If you don't repay the loan as agreed, the lender can take possession of the property and sell it to recoup the money you owe.

The loan is made up of two elements:

• The capital – in other words, the amount of money you borrowed to buy your property, and

The interest– the amount the mortgage lender charges for lending you the money (which is why they're in business).

You'll see hundreds of different names for mortgages. Ignore them. They all boil down to the two main types:

Repayment mortgages and

Interest-only mortgages.

Actually there is a new third type – the current account mortgagebut if you want to learn the basics of mortgages now, you can read about that later.

Lenders often make things seem more complicated than they have to be. But don't worry – with our help, it can all be kept fairly simple.

The two most significant things about any mortgage are:

The interest rate and

• The mortgage fees

Read on to find out Why the interest rate and fees matter so much.

 

 

To read more on this subject please see the list below or your mortgage guide or your home buying guide

Read enough? Just want a quote? To get your best mortgage quote quickly and easily we can put you in contact with a recommended mortgage adviser. It's free, completely confidential and there's no obligation at all. Simply fill out the form below

Value of Property £  
    (eg 125000)
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    (eg 92500)
Your Morgage Type





Read On / Mortgage Basics

What is a mortgage?

A basic summary of the rules

The choices you need to make

How much can you borrow?

How do you prove your income?

How long are mortgages usually for?

What will happen to interest rates?

 

Read On / Mortgage Guide

How to Choose your Mortgage

Types of Mortgage

Remortgages

Where to Find your Mortgage

Getting a Mortgage in Principle

Costs of a UK Mortgage

Your Mortgage TOP TIPS

Calculators

A to Z all UK Mortgage Types

 

Read On

Guide to Buying Home in the UK

Guide to UK Home and Mortgage Insurance

Life Insurance Guide

Glossary of UK Mortgage Terms

Mortgage News

 


 



 

 

 


 

 



 

 

 


 

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