Mortgages for People with a Bad Credit History

About Bad Credit Ratings When you apply for any type of financial product, in this case a mortgage, you will have your credit rating checked. Credit rating is a way for the lender to see how reliable you have been in the past with financial products. They need to make sure you are worth the […]

Self Employed Mortgages

What mortgage you need depends on your personal circumstances. In this section we show you your best choices depending on whether you’re Employed, Self Employed, are a First Time Buyer,  Have Bad Credit are an Older Person or are Having Financial Difficulties / Problems Paying Your Existing Mortgage Mortgages for the Self-Employed Many people think that self-employed people in the UK do not […]

First Time Buyers

Guide to Your First Mortgage and Home Useful Information for Your First Mortgage Life certainly isn’t as easy as it used to be for First Time Buyers. You’ve been squeezed by factors like the “baby boomer” generation, who’ve benefited from the huge rises in property prices over the past 30 years – and aren’t giving […]

Mortgages for the Elderly

Pensioner Mortgages – for the over-60s and Elderly The mortgage market has become increasingly cut-throat in recent years. And as mortgage lenders compete for business, many will now take on customers they wouldn’t have considered in the past. That includes “pensioners” approaching or even past traditional retirement age. • A couple of dozen lenders will […]

Costs of a UK Mortgage

What’s the Problem? It’s not always easy to understand the fine print of a mortgage deal – after all, it is not every day that you negotiate a five or six-figure secured loan. Unfortunately, the mortgage lenders do this every day, and they have a very advanced understanding of all the different ways they can […]

Calculators for Mortgages

UK Mortgage Rate and Payment Calculators See Below for the list of our various Mortgage Calculators   Calculator 1: How Much Can I Borrow? This mortgage calculator shows how much you can borrow. This is based on how much you earn and what multiples of your annual earnings the mortgage lender agrees to lend you. […]

Types of UK Mortgage

When buying a home in the UK you will need to select which of the various types of mortgage you want to use – and there’s a lot of them to choose from. However, almost every mortgage belongs to one of the following two categories. (It’s the many variations on these two which make things […]

Getting your Mortgage via a Broker

There are three types of Mortgage Broker that you can consult for mortgage advice: Tied Brokers, Multi-Tied Brokers and Independent Mortgage Brokers.   Tied brokers These are literally tied into one mortgage lender. They are probably employed by the lender and will only offer you mortgage deals from that lender. So you are not seeing the full choice available.   […]

Ways of Finding your Mortgage

You have several options for finding your UK mortgage. You can go direct, through a Mortgage Broker or an IFA, through your Estate Agent or online. Whichever method you use to find your mortgage the principle is the same. Always shop around. Get three quotes and compare them. Play this right and you could save […]

The Top Ten UK Mortgage Tips

Use these ten tips to guide you towards your best mortgage deal.   Don’t take the first mortgage you’re offered There are big differences in the deals you can get amounting to many thousands of pounds So make sure you’ve made comparisons with others.   Shop around There’s a lot of competition between the mortgage […]