Mortgages Contenthttp://www.mortgages.org.ukMortgages Articlesen-usCopyright 2017 http://www.mortgages.org.ukSat, 23 Sep 2017 10:57:57 ESTWhat Borrowing Means for Youhttp://www.mortgages.org.uk/what-borrowing-means-to-you.htmlWhat Borrowing Means for YouBorrowing has different implications and consequences for each individual who takes on a loan. Deciding what borrowing may mean for you and your loved ones is a personal matter, based on your current cash flow, your liabilities, your potential earnings and your future plans. Before you enter a new lending agreement, consider how your loan repayments will affect the rest of your budget. To avoid taking on more debt than you can afford to repay, use a free online loan calculator to estimate your monthly repayments at your lender's interest rate.Taking on too much... <a href="http://www.mortgages.org.uk/what-borrowing-means-to-you.html">Read the full article</a>Fri, 26 Oct 2012 00:00:00 ESThttp://www.mortgages.org.uk/what-borrowing-means-to-you.htmlHow Can I Cut my Debt Fast?http://www.mortgages.org.uk/ways-to-cut-debt-fast.htmlCutting debt fast is a dream that many consumers share, but debt rarely appears overnight, and it can't always be cleared quickly. To develop a realistic time table for resolving your debts and recovering your financial stability to avoid an order of bankruptcy, seek advice from a qualified debt counsellor. A knowledgeable debt professional can assess your circumstances, review your assets and liabilities and help you arrive at a practical solution for cutting debt as efficiently as possible. Finding Reliable Debt Advice If you're searching for solutions to unmanageable debt, you're not... <a href="http://www.mortgages.org.uk/ways-to-cut-debt-fast.html">Read the full article</a>Fri, 26 Oct 2012 00:00:00 ESThttp://www.mortgages.org.uk/ways-to-cut-debt-fast.htmlUnderstanding the Risks of Borrowinghttp://www.mortgages.org.uk/understanding-the-risks-of-borrowing.htmlUnderstanding the Risks of BorrowingBefore borrowing a large sum of money to buy a home, a vehicle or another valuable asset, it's important to understand the potential risks involved. Even if you are in a strong position financially when you take out a loan, your circumstances may change in the future. Stable employees can become injured and lose their jobs; married couples can get divorced; fluctuations in the economy may lead to redundancy at your workplace. Even happy events, like the birth of a child, can affect your finances and make it difficult to repay a loan.Missing repayments on a... <a href="http://www.mortgages.org.uk/understanding-the-risks-of-borrowing.html">Read the full article</a>Mon, 22 Oct 2012 00:00:00 ESThttp://www.mortgages.org.uk/understanding-the-risks-of-borrowing.htmlWhat is Bankruptcy?http://www.mortgages.org.uk/information-on-bankruptcy.htmlBankruptcy is a determination made by the courts that an individual lacks the assets to repay his or her amount of borrowed debts. An order of bankruptcy from the court declares the petitioner to be insolvent, a condition in which one's liabilities exceed one's assets. Once bankruptcy has been declared, an individual's assets are placed under the control of a trustee who works on behalf of the court. The trustee then determines which assets can be sold to repay creditors. The remaining debt is discharged, or cleared, by the court once the bankruptcy has been processed. Bankruptcy may be... <a href="http://www.mortgages.org.uk/information-on-bankruptcy.html">Read the full article</a>Mon, 22 Oct 2012 00:00:00 ESThttp://www.mortgages.org.uk/information-on-bankruptcy.htmlThings to Consider Before Borrowing Funds http://www.mortgages.org.uk/considerations-before-borrowing-funds.htmlThings to Consider Before Borrowing FundsBorrowing funds gives you the opportunity to own a house, automobile or other valuable property that you might otherwise be unable to buy with a lump sum. However, taking on new borrowing is a financial commitment that must be carefully considered before you take this step. If you are already struggling to cope with household expenses or remortgage payments, entering a new lending agreement may compromise your financial stability. Consider your current financial situation and the consequences of defaulting on a loan before you borrow funds.Income and... <a href="http://www.mortgages.org.uk/considerations-before-borrowing-funds.html">Read the full article</a>Thu, 18 Oct 2012 00:00:00 ESThttp://www.mortgages.org.uk/considerations-before-borrowing-funds.htmlHow Much Can I Borrow with a Mortgage?http://www.mortgages.org.uk/amount-to-borrow-with-mortgages.htmlLenders consider a number of factors when deciding how much you may borrow with a mortgage or a tracker mortgage deal. In the past, a bank or building society would often extend a loan based on the applicant's income. Many financial institutions would offer to lend up to three times an applicant's income as a matter of course. However, lenders have become cautious about lending more money than a borrower can afford to repay. When the price of an average home is high, borrowers may find it more difficult to secure a loan that will cover the value of the home they're looking for. Assessing Your... <a href="http://www.mortgages.org.uk/amount-to-borrow-with-mortgages.html">Read the full article</a>Thu, 18 Oct 2012 00:00:00 ESThttp://www.mortgages.org.uk/amount-to-borrow-with-mortgages.htmlExploring Remortgaging http://www.mortgages.org.uk/exploring-remortgaging.htmlExploring RemortgagingIn the last few years since the global financial crisis, it seems that every time there is an increase in mortgage lending it is actually due to increased remortgaging activity rather than being a sign or renewed buoyancy in the housing market. There are many reasons why people choose to remortgage their homes and here we shall look at a few of them to help you decide if it is something you should consider doing yourself.Reasons For RemortgagingThe main reason why people choose to remortgage is in order to save money beyond efforts to minimise household bills. Choosing... <a href="http://www.mortgages.org.uk/exploring-remortgaging.html">Read the full article</a>Sun, 14 Oct 2012 00:00:00 ESThttp://www.mortgages.org.uk/exploring-remortgaging.htmlWhat are the Risks and Benefits of a Tracker Mortgage?http://www.mortgages.org.uk/what-risks-benefits-tracker-mortgage.htmlGetting a mortgage is a way of borrowing money to buy a property. There are two contrary ways of achieving this objective, the fixed-rate loan and the tracker loan. Each has the potential to benefit you in completely different ways. A fixed-rate mortgage involves making the same payment for the entirety of the agreement, regardless of which direction the central bank moves base rates. This offers you repayment certainty. A tracker mortgage involves tracking the interest rate that's set by the Bank of England plus a margin. If base rates were reduced, the lender would be obligated to reduce... <a href="http://www.mortgages.org.uk/what-risks-benefits-tracker-mortgage.html">Read the full article</a>Sun, 14 Oct 2012 00:00:00 ESThttp://www.mortgages.org.uk/what-risks-benefits-tracker-mortgage.htmlMinimising Utility Billshttp://www.mortgages.org.uk/minimising-utility-bills.htmlMinimising Utility BillsUtility bills, like health, home and mortgage insurance rates, seem to increase on an annual basis much faster than salaries in these times of global financial crises and political difficulties in countries that traditionally supply many of our energy needs. However, there are still things we can do to try and keep our electricity, gas and water bills as affordable as possible. In addition to trying to reduce your usage of water, electricity and gas, it is also a good idea to spend some time comparing the prices of products and offers from the different energy... <a href="http://www.mortgages.org.uk/minimising-utility-bills.html">Read the full article</a>Wed, 10 Oct 2012 00:00:00 ESThttp://www.mortgages.org.uk/minimising-utility-bills.htmlHow Can I Benefit From a Fixed-rate Mortgage?http://www.mortgages.org.uk/benefit-from-fixed-rate-mortgage.htmlIf you're planning to buy a house, the chances are that you're going to need to borrow some or all of the money from a bank, even if you have been saving up cash. Buying a property is the largest investment that most of us will ever make, so selecting the right type of loan is very important. A fixed-rate mortgage involves selecting a loan and paying the same rate of interest for the duration of the agreement. The period that you're tied in for will vary, but it's usually for between 2 and 5 years. Five year fixed-rate mortgage deals are particularly popular with homeowners at the moment... <a href="http://www.mortgages.org.uk/benefit-from-fixed-rate-mortgage.html">Read the full article</a>Wed, 10 Oct 2012 00:00:00 ESThttp://www.mortgages.org.uk/benefit-from-fixed-rate-mortgage.htmlUnderstanding Mortgage Insurance http://www.mortgages.org.uk/understanding-mortgage-insurance.htmlUnderstanding Mortgage InsuranceInsuring your mortgage can give you greater peace of mind about the security of one of your most valuable investments. Regardless of how secure your income may be, life is unpredictable, and a severe illness, injury or accident may affect any homeowner. If you were to be made unemployed for an extended period of time, or if you were to pass away before the end of your mortgage contract, mortgage protection insurance would pay out to cover your repayments.Some lenders require mortgage insurance, whilst others strongly recommend this protection or offer an... <a href="http://www.mortgages.org.uk/understanding-mortgage-insurance.html">Read the full article</a>Sat, 06 Oct 2012 00:00:00 ESThttp://www.mortgages.org.uk/understanding-mortgage-insurance.htmlHow Can I Save Cash Fast?http://www.mortgages.org.uk/how-to-save-cash-fast.htmlWhen you're motivated to save money, you can save cash fast by identifying areas of your budget where may be overspending. Although you can't eliminate basic necessities like food, clothing, shelter, gas and electricity, you can reduce the cost of these priorities by downsizing your lifestyle and making more economical choices. Review all of your basic costs, along with your non-essential expenses and daily motoring bills, to see how you might accumulate a savings quickly. Unhealthy habits can be expensive, and if you have any vices, you may be able to make a significant difference in your... <a href="http://www.mortgages.org.uk/how-to-save-cash-fast.html">Read the full article</a>Sat, 06 Oct 2012 00:00:00 ESThttp://www.mortgages.org.uk/how-to-save-cash-fast.htmlComparing Renting a Property with Taking Out a Mortgage http://www.mortgages.org.uk/comparing-renting-property-to-mortgaging.htmlComparing Renting a Property with Taking Out a MortgageTaking out a mortgage represents a substantial investment, but a mortgage is also a serious long term responsibility. The consequences of defaulting on a mortgage can be far more severe than the consequences of failing to pay your rent. Whilst owning a house and making it feel life home gives you an increased sense of financial and personal security, home ownership can also place you under a great deal of financial pressure. Consider the obligations of taking out a mortgage carefully before you make this important decision.Costs of Buying... <a href="http://www.mortgages.org.uk/comparing-renting-property-to-mortgaging.html">Read the full article</a>Tue, 02 Oct 2012 00:00:00 ESThttp://www.mortgages.org.uk/comparing-renting-property-to-mortgaging.htmlHow Can I Save Money on the Motoring Bill?http://www.mortgages.org.uk/how-to-save-money-motoring-bill.htmlReducing your motoring bill will leave you with cash left over for other important expenses. Many homeowners aren't aware of how much they might be saving on the costs of motoring. In addition to cutting your fuel usage, you can save money by minimising repair costs and lowering your car insurance premiums. Any of the expenses associated with owning a vehicle might be cut if you look for ways to save money and get quality financial advice. An inexpensive local garage can be a helpful partner in lowering your motoring bill. A reliable mechanic can address problems with your vehicle before they... <a href="http://www.mortgages.org.uk/how-to-save-money-motoring-bill.html">Read the full article</a>Tue, 02 Oct 2012 00:00:00 ESThttp://www.mortgages.org.uk/how-to-save-money-motoring-bill.htmlMaking a New House Feel Like a Homehttp://www.mortgages.org.uk/making-new-houses-like-home.htmlMaking A New House Feel Like A HomeWhether you have bought a new build property or a house that has seen generations of families already living in it, one of the first things you will want to do is to make your new house feel like a home. Major refurbishment or the purchase of a lot of new furniture is unlikely to be possible or desirable when you have just been through the cost and stress of purchasing a home. For this reason, it is worthwhile looking at some 'quick fix' methods for making your new house feel homely and like it's yours.Soft FurnishingsThe quickest way to soften the clinical... <a href="http://www.mortgages.org.uk/making-new-houses-like-home.html">Read the full article</a>Fri, 28 Sep 2012 00:00:00 ESThttp://www.mortgages.org.uk/making-new-houses-like-home.htmlWhere Can I Get Quality Financial Advice?http://www.mortgages.org.uk/getting-quality-financial-advice.htmlThe best mortgage for your requirements is usually the one that'll save you the most money. However, for people who have credit problems or are self employed, there are other complications that need to be taken into account. Since the credit crisis, there have been many changes to the lending industry that have changed the way that things work. If it's been a few years since you last got a remortgage, you may be surprised at some of the changes. You may also be shocked at how much of the equity has been wiped off the value of your property since the end of 2007. Before you decide on a... <a href="http://www.mortgages.org.uk/getting-quality-financial-advice.html">Read the full article</a>Fri, 28 Sep 2012 00:00:00 ESThttp://www.mortgages.org.uk/getting-quality-financial-advice.htmlBudgeting for a Home Move http://www.mortgages.org.uk/budgeting-for-a-home-move.htmlBudgeting for a Home MoveIt is easy when working out the amount you can spend on buying a new home to forget the large number of other costs involved. Budgeting for your move from start to finish is essential if you are to avoid finding yourself in extremely serious financial difficulties. Here we will give an example of some of the main costs that you will almost certainly need to factor into your budget.Costs Of Buying And SellingIf you are selling a property then one of the first costs you have to consider is the expense of marketing your existing property. An estate agent will usually... <a href="http://www.mortgages.org.uk/budgeting-for-a-home-move.html">Read the full article</a>Mon, 24 Sep 2012 00:00:00 ESThttp://www.mortgages.org.uk/budgeting-for-a-home-move.htmlWhich Mortgage Type Will Give Me the Best Rates?http://www.mortgages.org.uk/mortgage-types-with-best-rates.htmlTimes are hard, so we all want to find a way to save money. Besides paying to run an auto and all the expenses that come along with owning a car, paying off the mortgage loan is likely to be the biggest outgoing you have to meet each month, so it's logical that getting a best-buy mortgage will reduce your financial commitments. With so many attractive offers on the table, which type of deal is likely to save you the most cash? The two most popular choices are the tracker and the fixed-rate mortgage. If you want to reduce your outgoings, you need to select the loan that's most appropriate for... <a href="http://www.mortgages.org.uk/mortgage-types-with-best-rates.html">Read the full article</a>Mon, 24 Sep 2012 00:00:00 ESThttp://www.mortgages.org.uk/mortgage-types-with-best-rates.htmlUseful Facts on the Relationship Between a House and the Mortgagehttp://www.mortgages.org.uk/relationship-between-houses-and-mortgages.htmlUseful Facts on the Relationship Between a House and the MortgageIn most cases, buying a house requires taking on a mortgage, or a loan specifically designed for the purchase of property. Unless you can afford to pay for a home out of pocket, you will most likely need to arrange a mortgage through a bank, building society or another financial institution if you wish to own a home. In exchange for the loan, your lender will charge interest, which you must pay as you repay the mortgage. When shopping for a house after selling a home quickly, finding a competitive mortgage arrangement is the... <a href="http://www.mortgages.org.uk/relationship-between-houses-and-mortgages.html">Read the full article</a>Thu, 20 Sep 2012 00:00:00 ESThttp://www.mortgages.org.uk/relationship-between-houses-and-mortgages.htmlHow Can I Run the Car More Cheaply?http://www.mortgages.org.uk/running-a-car-more-cheaply.htmlThe cost of running a car consumes a large share of the budget in many households. The costs of fuel, maintenance, insurance and emergency repairs can add up quickly, making you wonder if you might be better off with a bicycle. You can run your car more cheaply by researching useful online information and sourcing ways to save money on all aspects of operating a vehicle. From finding cheaper petrol to locating a more affordable garage, taking time to locate less expensive alternatives will help you trim your automotive budget. Saving Money on Fuel Modifying your driving habits may help you... <a href="http://www.mortgages.org.uk/running-a-car-more-cheaply.html">Read the full article</a>Thu, 20 Sep 2012 00:00:00 ESThttp://www.mortgages.org.uk/running-a-car-more-cheaply.htmlPreparing a House for a Quick Sale http://www.mortgages.org.uk/preparing-houses-for-quick-sale.htmlPreparing a House for a Quick SaleMost homeowners would prefer to sell their home quickly rather than have the property languish on the market for months. The longer a house remains unsold, the more likely it is that you'll need to lower your home asking price and make other concessions to sell the property. It's not necessary to spend a lot of money or hire a team of professional designers to prepare your house for a quick sale. Simply by making your home look its best and playing up its strong points, you will increase your chances of selling quickly at the price you're asking for.Enhancing... <a href="http://www.mortgages.org.uk/preparing-houses-for-quick-sale.html">Read the full article</a>Sun, 16 Sep 2012 00:00:00 ESThttp://www.mortgages.org.uk/preparing-houses-for-quick-sale.htmlHow Can I Make Best Use of the Information Available Online?http://www.mortgages.org.uk/using-helpful-information-available-online.htmlThe internet has made it possible to find discounts, specials and tips that can help you save money in all areas of your budget. Whether you're looking for ways to cut the cost of food, searching for a cheap car or trying to find lower mortgage interest rates so you can get rid of that costly mortgage deal, online tools make it easy and convenient to achieve these aims. If you're not comfortable with computers, consider taking an adult education course to learn about how to make best use of the internet. You may be missing the opportunity to trim your budget if you don't have access to online... <a href="http://www.mortgages.org.uk/using-helpful-information-available-online.html">Read the full article</a>Sun, 16 Sep 2012 00:00:00 ESThttp://www.mortgages.org.uk/using-helpful-information-available-online.htmlUnderstanding House Priceshttp://www.mortgages.org.uk/understanding-house-prices.htmlUnderstanding House PricesUnderstanding the factors that affect the cost of real estate and how mortgage deals work isn't always easy, even for industry professionals. From the national economy to the local market, economic changes will influence the value of your property. Factors concerning your house itself, such as the age, size, construction materials, condition and amenities will also affect its price. A reliable estate agent or mortgage broker can help you understand the factors that affect the value of your current home or the house you plan to buy.Factors that Affect the MarketAt... <a href="http://www.mortgages.org.uk/understanding-house-prices.html">Read the full article</a>Wed, 12 Sep 2012 00:00:00 ESThttp://www.mortgages.org.uk/understanding-house-prices.htmlWhich Type of Mortgage is the Most Expensive?http://www.mortgages.org.uk/most-expensive-types-of-mortgages.htmlMoney is particularly hard to find at the moment. Given that paying the mortgage is usually the largest payment we have to make, selecting a competitive loan will usually help to save you money and help avoid having a mortgage loan default. Your existing mortgage has ended, so you're currently paying Standard Variable Rate SVR. This type of loan has been quite competitive for the last few years, but interest rates won't stay low forever. You're effectively paying the base rate set by the Bank of England plus a margin. It's difficult to be too specific about the margin, but it's usually about... <a href="http://www.mortgages.org.uk/most-expensive-types-of-mortgages.html">Read the full article</a>Wed, 12 Sep 2012 00:00:00 ESThttp://www.mortgages.org.uk/most-expensive-types-of-mortgages.htmlUnderstanding the Workings of a Mortgage http://www.mortgages.org.uk/understanding-the-workings-of-mortgages.htmlUnderstanding the Workings of a MortgageAlthough mortgages are essentially just large loans made for the purpose of a property purchase, their complexity becomes evident as soon as you start to investigate the large variety of mortgage products that are on offer. Understanding something of how interest is calculated or the different ways in which repayment of a mortgage can be set up, will help you to choose the most suitable project for you.Paying Interest And CapitalA mortgage is made up of the actual loan and the interest that the lender charges you for the privilege of lending you the... <a href="http://www.mortgages.org.uk/understanding-the-workings-of-mortgages.html">Read the full article</a>Sat, 08 Sep 2012 00:00:00 ESThttp://www.mortgages.org.uk/understanding-the-workings-of-mortgages.htmlWhat is Default?http://www.mortgages.org.uk/defaulting-on-mortgage-loans.htmlWhen you borrow money from a bank, you enter a legally binding contract that obligates you to repay the money and mortgage cover premiums and a defined amount of interest for the duration of the agreement. Unless you receive the lender's consent, your payment must be received prior to a specific date. If payment isn't made, you are deemed to have defaulted on the loan. Provided that they act lawfully, the lender is within its rights to take steps to recover its money. The process commences when you're sent a statutory default notice by the lender. This documents what could happen, such as the... <a href="http://www.mortgages.org.uk/defaulting-on-mortgage-loans.html">Read the full article</a>Sat, 08 Sep 2012 00:00:00 ESThttp://www.mortgages.org.uk/defaulting-on-mortgage-loans.htmlPlanning for Mortgage Repayments http://www.mortgages.org.uk/planning-for-mortgage-repayments.htmlPlanning for Mortgage RepaymentsRepaying your mortgage is a challenge not just in the large scale of the loan involved, but also in the complexity of how mortgages are worked out. Falling behind with your mortgage can put you into serious financial difficulties, and can even end up with you having your home repossessed or having to sell a home quickly, so it is important to try and plan for paying off your mortgage. This means spending some time to understand the workings of mortgages and therefore getting a sense of what the right mortgage product for you may be. It also means working out... <a href="http://www.mortgages.org.uk/planning-for-mortgage-repayments.html">Read the full article</a>Tue, 04 Sep 2012 00:00:00 ESThttp://www.mortgages.org.uk/planning-for-mortgage-repayments.htmlWhat is a Mortgage Insurance Premium?http://www.mortgages.org.uk/information-on-mortgage-insurance-premiums.htmlPaying your mortgage is normally the biggest expense that a family has to meet each month. That's all fine and good when you're healthy and in full-time employment, but how will you cope if something were to change? Mortgage Payment Protection Insurance MPPI is a way of spreading the risk; in return for a small monthly premium, you can get cover against unemployment, sickness or an accident. If one of the problems outlined in the policy document should ever occur, you can make a claim. Assuming that you've complied with all of the rules, subject to a maximum of one year, the insurer will pay... <a href="http://www.mortgages.org.uk/information-on-mortgage-insurance-premiums.html">Read the full article</a>Tue, 04 Sep 2012 00:00:00 ESThttp://www.mortgages.org.uk/information-on-mortgage-insurance-premiums.htmlWhat to do if a House Doesn't Sell Quickly http://www.mortgages.org.uk/house-unable-to-sell-quickly.htmlWhat to do if a House Doesn't Sell QuicklyConsidering what to do if a house doesn't sell quickly can be difficult in some cases, so it is important that you seek out advice in order to improve the home and property, as it is likely that the property will need to be renovated. If you are trying to sell a property and it has received little or no interest, then there is a strong chance that it could do with being redecorated and painted over, so make sure that you do what you can to renovate the property and make it look better than ever. If you feel that there is more to be done on the... <a href="http://www.mortgages.org.uk/house-unable-to-sell-quickly.html">Read the full article</a>Fri, 31 Aug 2012 00:00:00 ESThttp://www.mortgages.org.uk/house-unable-to-sell-quickly.htmlWhat do Cap and Collar Mean?http://www.mortgages.org.uk/meaning-of-cap-and-collar.htmlIf you look to put a cap on your interest rate on your mortgage with a lender, it basically means that you have come to an agreement with a lender that an interest rate will never go above and beyond a certain limit, which is excellent for those folks worried about ways to cut down monthly bills and going above and beyond their spending power. A collar on your mortgage will essentially mean that your rates are brought down in many cases, and this can be a very desirable aspect of a deal to gain, because you will of course pay a lot less than anyone else on the market without a collar. When... <a href="http://www.mortgages.org.uk/meaning-of-cap-and-collar.html">Read the full article</a>Fri, 31 Aug 2012 00:00:00 ESThttp://www.mortgages.org.uk/meaning-of-cap-and-collar.htmlMaking a House Appealing to Buyers http://www.mortgages.org.uk/making-houses-appealing-to-buyers.htmlMaking a House Appealing to BuyersMaking a house appealing to buyers is one of the most important things that you will have to think about when you put a house on the market, because you will not get many potential clients if the look of a home is not right. Before you put the home on the market, it is important to remember that you will be up against some other intense competition, so make sure that you are aware of the DIY home repairs you need to make before you endeavour to put your home on the market, because otherwise it could mean that you are doing the wrong things and you do not gain... <a href="http://www.mortgages.org.uk/making-houses-appealing-to-buyers.html">Read the full article</a>Mon, 27 Aug 2012 00:00:00 ESThttp://www.mortgages.org.uk/making-houses-appealing-to-buyers.htmlHow Can I Cut the Bills Fast?http://www.mortgages.org.uk/ways-to-cut-bills-fast.htmlIf you are a little short on cash and you need to save money to ensure that you can pay off your mortgage to avoid getting evicted, one way of doing so is to try and cut down on your gas, electricity and water bills, so make sure that you use the following tips to do so if you are in a financially tricky position. First of all, if you feel that you are using too much hot water, and you are noticing that you are getting rather large bills through the post, then it is a good idea to start to cut down on these bills by first of all cutting out anything that causes them to raise up, so if you... <a href="http://www.mortgages.org.uk/ways-to-cut-bills-fast.html">Read the full article</a>Mon, 27 Aug 2012 00:00:00 ESThttp://www.mortgages.org.uk/ways-to-cut-bills-fast.htmlGood Repairs to Make a House Look Great http://www.mortgages.org.uk/repairs-making-houses-look-great.htmlGood Repairs to Make a House Look GreatGood repairs to make a house look great are important to make when you are putting a property on the market due to reaching retirement age or just wanting to move house, because potential clients will be looking out for mistakes, and reasons not to buy the property, so the more you can eliminate these reasons, the more likely you are to be able to sell the property for a hefty price tag. The main repairs that you will have to make will involve the main utilities that are being used, so if you know that there is a problem with the water supply, boiler or... <a href="http://www.mortgages.org.uk/repairs-making-houses-look-great.html">Read the full article</a>Thu, 23 Aug 2012 00:00:00 ESThttp://www.mortgages.org.uk/repairs-making-houses-look-great.htmlUnder What Circumstances Will I Get Evicted?http://www.mortgages.org.uk/circumstances-to-get-evicted.htmlMost people who decide to rent a property cannot get a mortgage or prefer to be in a flexible arrangement. In order to get a roof over your head, you're expected to pay a landlord a rent on a specific date each month. This enables them to secure a return on their investment or pay their mortgage. If you fail to pay your rent, it potentially compromises their ability to pay their own bills. Provided that you make the payment each month, your landlord is legally obligated to keep the property well maintained for you. Your side of the bargain is paying the rent; if you fail to pay, your landlord... <a href="http://www.mortgages.org.uk/circumstances-to-get-evicted.html">Read the full article</a>Thu, 23 Aug 2012 00:00:00 ESThttp://www.mortgages.org.uk/circumstances-to-get-evicted.htmlSpeaking to a Professional About Investing for Retirement http://www.mortgages.org.uk/speaking-to-professionals-about-retirement.htmlSpeaking to a Professional About Investing for RetirementWith the State Pension standing at little over £100 per week, many people wish to consider additional ways to boost their retirement income. Having worked all your life and struggled to follow a family budget plan, retirement should be a time to enjoy hobbies and holidays and visit friends and family. On the State Pension, this can be frankly impossible to achieve.There is a myriad of different options to consider when thinking about investing for your retirement, and it is well worth seeking advice in order to help you make the right... <a href="http://www.mortgages.org.uk/speaking-to-professionals-about-retirement.html">Read the full article</a>Sun, 19 Aug 2012 00:00:00 ESThttp://www.mortgages.org.uk/speaking-to-professionals-about-retirement.htmlHow Should I Take Action Before I Get Thrown Out?http://www.mortgages.org.uk/taking-action-before-evicted.htmlIn order to rent a property from a landlord, you agree to pay a rent and follow certain contractual obligations, much like when taking out a remortgage or a mortgage deal, there are certain guidelines you must follow. If you fail to comply with the agreement in any way, there's the potential for you to be evicted from your home. However, there's a certain procedure that the landlord is legally obligated to follow before they can remove you. There are also things that you should do to make sure that you're familiar with the process and are in a position to deal with what transpires at a later... <a href="http://www.mortgages.org.uk/taking-action-before-evicted.html">Read the full article</a>Sun, 19 Aug 2012 00:00:00 ESThttp://www.mortgages.org.uk/taking-action-before-evicted.htmlSticking to a Family Budget http://www.mortgages.org.uk/sticking-to-a-family-budget.htmlSticking to a Family BudgetIt can be hard enough setting up a family budget in the first place without the challenge of actually sticking with it, especially when trying to locate new property. The key is to be realistic from the start, and to have everybody in the family on board. In these difficult economic times, staying within a fixed budget is more important than ever, so let's look at some simple tricks for sticking to your family budget.Setting Realistic BudgetsA good way to set your budget in the first place is to monitor your spending in an average month before commencing any... <a href="http://www.mortgages.org.uk/sticking-to-a-family-budget.html">Read the full article</a>Wed, 15 Aug 2012 00:00:00 ESThttp://www.mortgages.org.uk/sticking-to-a-family-budget.htmlIs Remortgaging Worth It?http://www.mortgages.org.uk/information-on-benefits-of-remortgaging.htmlThe remortgaging process can be time consuming, and homeowners may face certain fees and penalties when they remortgage a home. However, remortgaging can be well worth the trouble if you are able to get lower interest rates or more competitive repayment terms for your loan. Over the 25 years or so of a mortgage contract, the interest you pay for the loan will add up to a sizable percentage of the final value of the house. By remortgaging, you may get a better deal and reduce the overall cost of your property. Remortgaging can be a lifesaver for borrowers who are struggling with high or... <a href="http://www.mortgages.org.uk/information-on-benefits-of-remortgaging.html">Read the full article</a>Wed, 15 Aug 2012 00:00:00 ESThttp://www.mortgages.org.uk/information-on-benefits-of-remortgaging.htmlMaking Decisions for the New Propertyhttp://www.mortgages.org.uk/decisions-for-a-new-property.htmlMaking Decisions for the New PropertyOne of the reasons moving house can be so stressful is that you must make arrangements for two properties at the same time, often under tight deadlines. Making decisions for the new property may seem like a lower priority as you rush to arrange the sale, transfer your mortgage and pack your belongings in preparation for removal. However, it's essential to set aside time to make a checklist of important tasks pertaining to your new household. Couples may find that it's easier to divide up certain tasks in order to complete the relocation efficiently.Buying... <a href="http://www.mortgages.org.uk/decisions-for-a-new-property.html">Read the full article</a>Sat, 11 Aug 2012 00:00:00 ESThttp://www.mortgages.org.uk/decisions-for-a-new-property.htmlHow Can I Cut Costs on Repairs?http://www.mortgages.org.uk/ways-to-cut-repairs-cost.htmlThe costs of owning a home don't end with the monthly mortgage payments. Home repairs can consume a large percentage of a homeowner's budget. Once you've assumed financial responsibility for a property, you've also assumed responsibility for fixing broken appliances, cabinets, flooring or windows. Unless the damage is caused by a natural disaster or a crime that's covered by your home insurance policy, you must pay for these repairs out of pocket. You can cut the cost of repairs significantly by taking on certain jobs yourself, hiring competent tradesmen or shopping around for the most... <a href="http://www.mortgages.org.uk/ways-to-cut-repairs-cost.html">Read the full article</a>Sat, 11 Aug 2012 00:00:00 ESThttp://www.mortgages.org.uk/ways-to-cut-repairs-cost.htmlComplexities of the Moving Process http://www.mortgages.org.uk/complexities-of-the-moving-process.htmlComplexities of the Moving ProcessRelocating can be a complicated process, especially if you're moving across the country. Out of all the major life changes that homeowners face, moving house is one of the most stressful. In addition to arranging for the removal of the property in your current location, you must prepare your new home, get ready to take on a new job and find a suitable school for your children. With so many details to take care of, it's not surprising that important items are often overlooked.Moving house can be easier and less complicated if you draw up a schedule for your... <a href="http://www.mortgages.org.uk/complexities-of-the-moving-process.html">Read the full article</a>Tue, 07 Aug 2012 00:00:00 ESThttp://www.mortgages.org.uk/complexities-of-the-moving-process.htmlWhat is the Role of Mortgage Payments?http://www.mortgages.org.uk/the-role-of-mortgage-payments.htmlMost people don't have enough money to buy a property outright, so they have to borrow it from their bank. Provided that you've saved up a sufficient deposit, have a permanent job and can afford to make the repayments, you may be able to get a mortgage. This is a form of secured debt because the property acts as the lender's collateral. Provided that there's enough equity, it's a risk-free investment for a bank, so they're always keen to get new customers. The Bank of England may have set base rates at just 0.5%, but there's a margin built into the agreement that represents a nice profit for... <a href="http://www.mortgages.org.uk/the-role-of-mortgage-payments.html">Read the full article</a>Tue, 07 Aug 2012 00:00:00 ESThttp://www.mortgages.org.uk/the-role-of-mortgage-payments.htmlMoving Property Safelyhttp://www.mortgages.org.uk/moving-property-safely.htmlMoving Property SafelyMoving house can be a stressful experience. Not only must you coordinate all of the details of moving from one residence to another such as preparing to make mortgage payments; you must ensure that your personal property is relocated safely. Kitchen appliances, electronic equipment, valuable furniture, heirloom antiques and delicate items like glassware and china are easily broken in transit. Moving property safely requires careful packing and handling, preferably with the assistance of a professional removal company.Professional movers have the training and expertise to... <a href="http://www.mortgages.org.uk/moving-property-safely.html">Read the full article</a>Fri, 03 Aug 2012 00:00:00 ESThttp://www.mortgages.org.uk/moving-property-safely.htmlHow Should I Decide What Type of Mortgage to Use?http://www.mortgages.org.uk/type-of-mortgage-to-use.htmlYour existing loan has just come to an end, so you won't need to pay an early redemption penalty to move your type of mortgage loan. The lender has switched you to a Standard Variable Rate (SVR) mortgage, so you pay the prevailing rate that's set by the Bank of England. In other words, you'll pay base rate plus a margin. It's difficult to say how much you'll have to pay, but it's usually in the region of 2%. However, it's important to realise that the lender doesn't have to reduce interest rates, but you can be virtually certain that they'll put them up if rates were to suddenly rise. It... <a href="http://www.mortgages.org.uk/type-of-mortgage-to-use.html">Read the full article</a>Fri, 03 Aug 2012 00:00:00 ESThttp://www.mortgages.org.uk/type-of-mortgage-to-use.htmlMaking Preparations So That Payments Will Never be Missed http://www.mortgages.org.uk/making-preparations-for-mortgage-payments.htmlMaking Preparations So That Payments Will Never Be MissedA mortgage is almost certainly the largest loan you will ever take, and keeping up with payments each month can be challenging. It is important though not to miss mortgage payments, as getting behind can very quickly escalate into unmanageable debt. If you allow yourself to get into arrears on your chosen mortgage type, there is the very real danger of losing your home through repossession. You need to consider first of all what you can do to avoid missing the payments, and then what remedies you can apply in the event that you do... <a href="http://www.mortgages.org.uk/making-preparations-for-mortgage-payments.html">Read the full article</a>Mon, 30 Jul 2012 00:00:00 ESThttp://www.mortgages.org.uk/making-preparations-for-mortgage-payments.htmlHow Can I Ensure That a Mortgage Fits my Needs?http://www.mortgages.org.uk/ensuring-mortgage-fits-my-needs.htmlSelecting a mortgage is an important decision because buying a home is the largest purchase most of us will ever make. The repayments take up the majority of your wage, so you need to keep them to a minimum. However, you need to balance this goal against the need to minimise the amount of debt interest that you'll pay. The longer that a loan lasts, the more cumulative interest will be added to the principal. That's why your bank often uses a 25-year term to demonstrate how low your repayments will be with them. Although all of the figures are there for you to see in black and white, most of... <a href="http://www.mortgages.org.uk/ensuring-mortgage-fits-my-needs.html">Read the full article</a>Mon, 30 Jul 2012 00:00:00 ESThttp://www.mortgages.org.uk/ensuring-mortgage-fits-my-needs.htmlPlanning Ahead to Get the Right Mortgage http://www.mortgages.org.uk/get-the-right-mortgage.htmlPlanning Ahead To Get The Right MortgageIt is very likely that your mortgage will be the largest investment you ever make. The importance of making the right choice combined with the fact that there is a myriad of different options available, mean that forward planning and research are key. Fortunately it is easier than ever to compare the mortgage products of different providers online. Using our comparison tools you will certainly be able to find a product with the right mortgage payment options to suit your needs, but first of all let's look at just why this is so important.Getting into... <a href="http://www.mortgages.org.uk/get-the-right-mortgage.html">Read the full article</a>Thu, 26 Jul 2012 00:00:00 ESThttp://www.mortgages.org.uk/get-the-right-mortgage.htmlWill Remortgaging Free Up Capital?http://www.mortgages.org.uk/remortgaging-freeing-up-capital.htmlThere are many cases where gaining a remortgage can free up capital, though you will have to make sure that you find the right lender to deal with, because it can depend upon the kind of deal that you get from a lender. In some cases, you should probably refrain from doing anything in the way of gaining a new kind of deal on the market, though a lot of the time it can be very beneficial to you. If you feel that you are paying too much in the way of capital repayments, and you wish to slow down the payments, then it is probably a good idea for you to get a different package with a different... <a href="http://www.mortgages.org.uk/remortgaging-freeing-up-capital.html">Read the full article</a>Thu, 26 Jul 2012 00:00:00 ESThttp://www.mortgages.org.uk/remortgaging-freeing-up-capital.htmlSetting Up Recurring Mortgage Paymentshttp://www.mortgages.org.uk/setting-up-recurring-mortgage-payments.htmlSetting Up Recurring Mortgage PaymentsMortgages are inevitably the single largest item of expenditure that any of us face in our lives. One of the key considerations when setting up recurring mortgage payments is ensuring that you are going to have enough money in your bank account each month. In order to do this, it is important to understand the difference between variable and fixed rate mortgages.Variable Rate MortgagesBanks use what is called a standard variable rate as a default interest rate for any loan they make including mortgages. A variable rate might be offered as a discount on... <a href="http://www.mortgages.org.uk/setting-up-recurring-mortgage-payments.html">Read the full article</a>Sun, 22 Jul 2012 00:00:00 ESThttp://www.mortgages.org.uk/setting-up-recurring-mortgage-payments.htmlCan I Save Money By Remortgaging?http://www.mortgages.org.uk/saving-money-by-remortgaging.htmlOne of the main and most popular reasons behind remortgaging, is that due to the changes in the market, it is often possible to save a lot of money by buying into a new package. If you cannot make any savings on a new deal and in a remortgage with a different lender, then it is usually a good idea to stay in your mortgage, simply because the penalty fee that often comes with remortgaging will not be worth paying. You should only remortgage if you think it is going to save you some money, or else because it is going to give you and your home some kind of a financial boost, otherwise there... <a href="http://www.mortgages.org.uk/saving-money-by-remortgaging.html">Read the full article</a>Sun, 22 Jul 2012 00:00:00 ESThttp://www.mortgages.org.uk/saving-money-by-remortgaging.htmlPaying Your Mortgage Online Monthly http://www.mortgages.org.uk/paying-your-mortgage-online-monthly.htmlPaying Your Mortgage Online MonthlyNowadays it is possible to do almost everything online. People find husbands and wives, do their weekly grocery shop, and have business meetings using the internet which all helps result in cheaper motoring. The whole process of organising your mortgage can be carried out online too. Not only can you compare mortgage products and make your application via a website, but it is also possible to arrange for the payments to be made online.Why Pay Online?Mortgages are generally paid monthly by direct debit. By setting this up and managing the payments online, you... <a href="http://www.mortgages.org.uk/paying-your-mortgage-online-monthly.html">Read the full article</a>Wed, 18 Jul 2012 00:00:00 ESThttp://www.mortgages.org.uk/paying-your-mortgage-online-monthly.htmlHow do I Apply for a Mortgage?http://www.mortgages.org.uk/methods-of-applying-for-mortgages.htmlIf you've made the decision to buy a house this year, you're probably going to need to borrow money to facilitate your plans. The Financial Services Authority (FSA) tightened its requirements in 2011, so lenders are no longer able to accept applications in the same way that they did a few years ago. You're going to need a permanent job, at least a 5% house deposit and to be able to demonstrate that the repayments are easily affordable to you. You can no longer attempt to avoid proving that you can afford to pay by self certifying your income or signing up to an interest only mortgage deal... <a href="http://www.mortgages.org.uk/methods-of-applying-for-mortgages.html">Read the full article</a>Wed, 18 Jul 2012 00:00:00 ESThttp://www.mortgages.org.uk/methods-of-applying-for-mortgages.htmlWays to Make Motoring Cheaper http://www.mortgages.org.uk/ways-to-make-motoring-cheaper.htmlWays to Make Motoring CheaperWe are all looking for ways to cut costs in our lives - by cutting out luxury food items, taking holidays in the UK rather than overseas, and moving house less. But for anyone who loves their car, this will be the last resort in terms of cost-cutting. However, there are a number of things you can do to make motoring cheaper without consigning the car to the scrap metal merchant. While the price of petrol, insurance costs, and car maintenance continue to rise as our disposable income becomes reduced it might seem impossible, but here are a few ways to save money in... <a href="http://www.mortgages.org.uk/ways-to-make-motoring-cheaper.html">Read the full article</a>Sat, 14 Jul 2012 00:00:00 ESThttp://www.mortgages.org.uk/ways-to-make-motoring-cheaper.htmlShould I Get an Interest Only Mortgage?http://www.mortgages.org.uk/getting-an-interest-only-mortgage.htmlAn interest-only mortgage means that a homeowner is only paying back the interest set by the Bank of England that's added to the loan each month and not making any inroads into the principal. In other words, if you borrowed &Acirc;&pound;100,000 today, you'll still owe &Acirc;&pound;100,000 in 20 years time. Up until recent changes by the Financial Services Authority (FSA), it used to be a popular way of building additional capital. However, changes were introduced because a lot of homeowners were using this type of loan as a strategy to minimise monthly repayments. No investment was ever put... <a href="http://www.mortgages.org.uk/getting-an-interest-only-mortgage.html">Read the full article</a>Sat, 14 Jul 2012 00:00:00 ESThttp://www.mortgages.org.uk/getting-an-interest-only-mortgage.htmlTips for Moving in to a New Property http://www.mortgages.org.uk/moving-to-new-properties.htmlTips for Moving in to a New PropertyTips for moving in to a new property include using a shipping service to help you move all of your gear from one home to the next, because otherwise it can cause difficulty, stress and hassle, on top of the anxieties that you may already have about moving house. Once you gain what you need from the service you can get on with setting up and decorating your home, so make sure that you use a service to get your items, furniture and other pieces of equipment from one property to another, in order to leave yourself more time. Once you move from one place to... <a href="http://www.mortgages.org.uk/moving-to-new-properties.html">Read the full article</a>Tue, 10 Jul 2012 00:00:00 ESThttp://www.mortgages.org.uk/moving-to-new-properties.htmlWhat is the Bank of England Base Rate?http://www.mortgages.org.uk/bank-of-england-base-rates.htmlThe Bank of England base rate is used as an instrument to control the rate of economic growth, underlying inflationary pressure and to maintain confidence in our currency. In order to prevent political considerations from influencing policy, the Monetary Policy Committee (MPC) is a totally separate body that's free to reach its own decisions. All members of the MPC are an expert in a specific field of economics or monetary policy [1]. Although it's unlikely that everyone will agree, the objective is to achieve a consensus of opinion. However, the voices of all participants will be heard and... <a href="http://www.mortgages.org.uk/bank-of-england-base-rates.html">Read the full article</a>Tue, 10 Jul 2012 00:00:00 ESThttp://www.mortgages.org.uk/bank-of-england-base-rates.htmlSettling in to a New Property http://www.mortgages.org.uk/settling-in-to-new-properties.htmlSettling in to a New PropertySettling in to a new property is something that many people get a little anxious of before they move in, though it is important to remember that settling in can take time, so try not to get overly down if you do not settle in right away. Often people move in and find that it takes a little while to adapt to new environments, though this is usually because they have not lived in a new place for a long time, or else they have lived somewhere that they have come to know very well, and so learning the habits of a new place may seem a little alien at first. The... <a href="http://www.mortgages.org.uk/settling-in-to-new-properties.html">Read the full article</a>Fri, 06 Jul 2012 00:00:00 ESThttp://www.mortgages.org.uk/settling-in-to-new-properties.htmlWhat Should I do if I Can Get a Loan?http://www.mortgages.org.uk/considerations-after-getting-a-loan.htmlWhen you first get a loan you should make sure that you have all that is necessary in the way of finances to make sure that you can actually pay off the loan, because if you do not, it could mean that you get yourself into some serious financial trouble and bad credit ratings. Remember that companies will not usually give those with a bad credit rating a mortgage, so it is usually best to avoid such a thing if possible, so that when there comes a point that you can take out a package, you can do so with ease and with little worry. Try and make sure that when you take out a loan you know... <a href="http://www.mortgages.org.uk/considerations-after-getting-a-loan.html">Read the full article</a>Fri, 06 Jul 2012 00:00:00 ESThttp://www.mortgages.org.uk/considerations-after-getting-a-loan.htmlAdapting to Life in a New Area http://www.mortgages.org.uk/adapting-to-new-areas.htmlAdapting to Life in a New AreaAdapting to life in a new area can be difficult at first, because it may be that when you first move you begin to miss your old area, and this often means that you tend to turn your nose up at your new place of residence initially. Remember that every place that you live in will have different charms and positives to it, and if you do not find good parts of the new place that you are living in initially, it is probably because you need to get use to it a little more. This means that you should make a note of visiting the locals and other such things in your new... <a href="http://www.mortgages.org.uk/adapting-to-new-areas.html">Read the full article</a>Mon, 02 Jul 2012 00:00:00 ESThttp://www.mortgages.org.uk/adapting-to-new-areas.htmlWhat are Repayments?http://www.mortgages.org.uk/information-on-repayments.htmlRepayments are what you pay back to a mortgage lender when you take out a deal of any kind, and this includes deals that are variable, fixed rate or otherwise, so it really does not matter what kind of a deal you wish to take out, the repayments will always be due. When you look to pay back the money of which you have borrowed to a lender, the best way to do so is to seek good financial advice on setting up a payment that will go directly into the lender account so there are no problems, and you can do this by setting up a payment that is direct debit once you take out a deal. Some of the... <a href="http://www.mortgages.org.uk/information-on-repayments.html">Read the full article</a>Mon, 02 Jul 2012 00:00:00 ESThttp://www.mortgages.org.uk/information-on-repayments.htmlNorth Wiltshire Mortgages - Low Interest Rate Mortgage Quotes North Wiltshirehttp://www.mortgages.org.uk/north-wiltshire.htmlNorth Wiltshire Mortgages Comparing North Wiltshire mortgages is easily done, via our online comparison tools and free repayment calculators. Banks and building societies throughout North Wiltshire offer a wide range or mortgage products, and this variety can be quite challenging to get your head around. It is wise to become familiar with some of the definitions used by lenders to describe the different ways in which they allow you to repay mortgages or with which they calculate the interest on your loan. By doing this before you start house hunting in Wiltshire, you reduce the likelihood of... <a href="http://www.mortgages.org.uk/north-wiltshire.html">Read the full article</a>Sun, 27 May 2012 00:00:00 ESThttp://www.mortgages.org.uk/north-wiltshire.htmlWarwick Mortgages - Low Interest Rate Mortgage Quotes Warwickhttp://www.mortgages.org.uk/warwick.htmlWarwick Mortgages Finding Warwick mortgages online allows you to compare the different products of multiple lenders at the same time, hopefully giving you a good picture of the different types of product on offer. This huge variety can be quite daunting when you are trying to find the right type of mortgage loan conditions for your situation. After all, it will almost certainly be the single biggest financial commitment of your life, so the pressure is definitely on to get it right. Let's look first of all at why people choose to live in Warwick. Warwick is an ancient county town, the capital... <a href="http://www.mortgages.org.uk/warwick.html">Read the full article</a>Thu, 24 May 2012 00:00:00 ESThttp://www.mortgages.org.uk/warwick.htmlHalton Mortgages - Low Interest Rate Mortgage Quotes Haltonhttp://www.mortgages.org.uk/halton.htmlHalton Mortgages Halton mortgages are on offer from a number of building societies and banks, which have branches in this part of the country. First time buyers and property developers can each find properties that suit their particular requirements, and mortgages with conditions that suit their specific needs. There is a wide choice of housing available in Halton from affordable terraced housing in some of the towns to beautiful country homes in the Cheshire countryside. Halton benefits from its proximity to the two chief cities of North West England - Liverpool and Manchester. Living in... <a href="http://www.mortgages.org.uk/halton.html">Read the full article</a>Mon, 21 May 2012 00:00:00 ESThttp://www.mortgages.org.uk/halton.htmlEast Lindsey Mortgages - Low Interest Rate Mortgage Quotes East Lindseyhttp://www.mortgages.org.uk/east-lindsey.htmlEast Lindsey Mortgages East Lindsey mortgages are on offer in a bewildering array of variations. You can choose between different mortgage conditions such as fixed rate and variable mortgages and decide whether you want to pay interest only or a mixture of capital and interest with your repayments. All of these alternatives are available from lenders throughout East Lindsey, and it is a good idea to consider which of these options will suit your situation the best, before embarking on the pleasurable pursuit of finding your dream Lincolnshire home. Why Buy In East Lindsey? Skegness, with its... <a href="http://www.mortgages.org.uk/east-lindsey.html">Read the full article</a>Fri, 18 May 2012 00:00:00 ESThttp://www.mortgages.org.uk/east-lindsey.htmlEast Devon Mortgages - Low Interest Rate Mortgage Quotes East Devonhttp://www.mortgages.org.uk/east-devon.htmlEast Devon Mortgages East Devon mortgages, along with terms and conditions of mortgages, should be thoroughly researched before you embark on a serious attempt to find your dream property. Mortgages are very large and complicated loans and should not be entered into lightly. Spending an hour or two becoming familiar with the different types of East Devon mortgages available will certainly pay off as you should be able to find a product that you can afford to repay. East Devon is one of the most attractive parts of South West England, so it is worth spending the time. The East Devon coast is a... <a href="http://www.mortgages.org.uk/east-devon.html">Read the full article</a>Tue, 15 May 2012 00:00:00 ESThttp://www.mortgages.org.uk/east-devon.htmlEast Hertfordshire Mortgages - Low Interest Rate Mortgage Quotes East Hertfordshirehttp://www.mortgages.org.uk/east-hertfordshire.htmlEast Hertfordshire Mortgages Finding East Hertfordshire mortgages has never been easier. Using our online comparison tools you can compare the mortgage products and the conditions and terms of mortgages of a wide range of banks and building societies in East Hertfordshire from the comfort of your own home. In order to get the best out of your research, it is good idea to first of all familiarise yourself with some of the many different variations that can be found among the many mortgages on offer. Understanding the difference between variable and fixed rate, interest only and repayment... <a href="http://www.mortgages.org.uk/east-hertfordshire.html">Read the full article</a>Sat, 12 May 2012 00:00:00 ESThttp://www.mortgages.org.uk/east-hertfordshire.htmlTorbay Mortgages - Low Interest Rate Mortgage Quotes Torbayhttp://www.mortgages.org.uk/torbay.htmlTorbay Mortgages Torbay mortgages are much in demand from home buyers throughout this area that is affectionately known as the 'English Riviera' thanks to its seaside setting and some of the best weather in the British Isles. Torbay is not really a town in itself, but rather a conurbation that has developed out of the string of popular resorts along the South coast of Devon coast - Torquay, Paignton and Brixham. The largest of the Torbay towns is Torquay. With its attractive blend of tropical palm trees and typical English seaside resort, Torquay is very popular with people looking for a... <a href="http://www.mortgages.org.uk/torbay.html">Read the full article</a>Wed, 09 May 2012 00:00:00 ESThttp://www.mortgages.org.uk/torbay.htmlStafford Mortgages - Low Interest Rate Mortgage Quotes Staffordhttp://www.mortgages.org.uk/stafford.htmlStafford Mortgages Stafford mortgages are available in a variety of different forms. You can choose between interest only and flexible repayment mortgages, and also decide on how you want the lender to calculate the interest. Variable, tracker and fixed rate mortgages offer alternative methods for working out interest. If you are buying a property in Staffordshire, it is a good idea to become familiar with these variations so that you are able to make the best possible choice for your situation. The historic town of Stafford celebrates its 1100th anniversary in 2013, and in its long life it... <a href="http://www.mortgages.org.uk/stafford.html">Read the full article</a>Sun, 06 May 2012 00:00:00 ESThttp://www.mortgages.org.uk/stafford.htmlThanet Mortgages - Low Interest Rate Mortgage Quotes Thanethttp://www.mortgages.org.uk/thanet.htmlThanet Mortgages Thanet mortgages are on offer from a number of different financial institutions in the district's chief towns, the popular seaside resorts of Margate, Ramsgate and Broadstairs. The area is a very attractive place to live combining the charms of the sea with an easy commute to London, or indeed to Europe via the cross-Channel ports of Dover and Folkstone a little further south in Kent. Seaside Resorts And Ancient History The historic Isle of Thanet in South East England is no longer an island, the channel that separated it from the mainland having silted up several hundred... <a href="http://www.mortgages.org.uk/thanet.html">Read the full article</a>Thu, 03 May 2012 00:00:00 ESThttp://www.mortgages.org.uk/thanet.htmlMid Sussex Mortgages - Low Interest Rate Mortgage Quotes Mid Sussexhttp://www.mortgages.org.uk/mid-sussex.htmlMid Sussex Mortgages Mid Sussex mortgages come in many different varieties. Learning about the different types of mortgages such as flexible mortgage deals is a necessary step for anybody wishing to buy a property in this popular and often idyllic part of South East England. Technically part of West Sussex, the district of Mid Sussex, north of Brighton, is rich with attractions including some of the country's finest gardens. Among these Mid Sussex gems are the grandiose Sheffield Park, the Kew Royal Botanic Gardens at Wakehurst Park, and Nymans with its exotic trees and romantic walled... <a href="http://www.mortgages.org.uk/mid-sussex.html">Read the full article</a>Mon, 30 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/mid-sussex.htmlIsle of Wight Mortgages - Low Interest Rate Mortgage Quotes Isle of Wighthttp://www.mortgages.org.uk/isle-of-wight.htmlIsle Of Wight Mortgages Isle of Wight mortgages can be source from a large number of lenders in this beautiful part of South East England. Despite being little more than twenty miles long, the Isle of Wight contains an extraordinary variety of landscapes. With sandy bays, sheltered creeks and high cliffs around its coastline, and an attractive mixture of farms, villages and woodland in the interior, the Isle of Wight has much to offer. Prince Albert designed a Summer home, Osborne House, for Queen Victoria in the Isle of Wight in the 1840s. When he died, she moved here permanently. It is not... <a href="http://www.mortgages.org.uk/isle-of-wight.html">Read the full article</a>Fri, 27 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/isle-of-wight.htmlSouth Oxfordshire Mortgages - Low Interest Rate Mortgage Quotes South Oxfordshirehttp://www.mortgages.org.uk/south-oxfordshire.htmlSouth Oxfordshire Mortgages South Oxfordshire mortgages are in demand as the commuter belt towns of Henley-on-Thames, Didcot and Thame are perennially popular with those that work in London, but want to enjoy the open spaces and peaceful life that South Oxfordshire can give. This appealing part of Oxfordshire includes some lovely tracts of countryside to match anywhere in South East England, but provides good transport connections throughout South Oxfordshire and to other towns in England. Challenges Getting A Mortgage If you are self-employed it can be extremely challenging securing South... <a href="http://www.mortgages.org.uk/south-oxfordshire.html">Read the full article</a>Tue, 24 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/south-oxfordshire.htmlPremier Mortgage Services - Find Premier Mortgage Services Onlinehttp://www.mortgages.org.uk/premier-mortgage-services.htmlPremier Mortgage Services Premier mortgage services can help you make sense of the mortgage market and find a home loan that's right for you. It can sometimes be difficult to navigate the home loan market. Best buy tables and the myriad of&nbsp;websites offering advice on finding the best mortgage values can make it so as you can't see the wood for the trees. This is where a premier mortgage services company can come into play. Almost without doubt, buying a property will be the most expensive purchase you ever make, so it makes sense to get the advice of professionals before you go ahead and... <a href="http://www.mortgages.org.uk/premier-mortgage-services.html">Read the full article</a>Mon, 23 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/premier-mortgage-services.htmlBest Mortgage Offers - Compare the Best Mortgage Offers Onlinehttp://www.mortgages.org.uk/best-mortgage-offers.htmlBest Mortgage Offers The best mortgage offers on the market should be looked at in detail whenever you're planning to take out a new home loan. Whether you're a first-time buyer, a mover, or are looking to remortgage, you'll want to make sure you have a thorough overview of the market, use a loan affordability calculator and are fully aware of the best mortgage offers out there. You should never assume the best mortgage offers are available from the lender that was offering the best rates last time you checked the mortgage market. The home loan sector is incredibly competitive which can mean... <a href="http://www.mortgages.org.uk/best-mortgage-offers.html">Read the full article</a>Sun, 22 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/best-mortgage-offers.htmlElmbridge Mortgages - Low Interest Rate Mortgage Quotes Elmbridgehttp://www.mortgages.org.uk/elmbridge.htmlElmbridge Mortgages Elmbridge mortgages can be sourced from a large number of local lenders in Surrey&nbsp;that offer affordable mortgage rates and also from some of the larger national operators with office throughout England. The area has much to offer with a slight reputation for gentility, chiefly in jokes about the commuter suburb of Esher, which is the administrative capital of Elmbridge. Many of the towns and villages in Elmbridge are charming places, which combine the benefits of Surrey country living with ease of access to London. Besides Esher, other interesting villages in the... <a href="http://www.mortgages.org.uk/elmbridge.html">Read the full article</a>Sat, 21 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/elmbridge.htmlMortgage Affordability Calculator - Find a Free Mortgage Affordability Calculatorhttp://www.mortgages.org.uk/mortgage-affordability-calculator.htmlMortgage Affordability Calculator When you make the decision to buy a home, you should use a mortgage affordability calculator to determine the optimal level of repayment. Buying a property is a long term financial commitment, so you need to strike a balance between affordability and minimising the amount of debt interest that you pay the lender. In order to use a mortgage repayment calculator, you need to enter the amount that you wish to borrow, the term of the loan and the rate of interest. You should then enter different combinations of figures into your mortgage affordability calculator... <a href="http://www.mortgages.org.uk/mortgage-affordability-calculator.html">Read the full article</a>Sat, 21 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/mortgage-affordability-calculator.htmlMortgage Rates Calculator - Use a Free Mortgage Rates Calculatorhttp://www.mortgages.org.uk/mortgage-rates-calculator.htmlMortgage Rates Calculator When you're trying to determine how much you should borrow and over how long, you need to use a mortgage rates calculator. Buying a property is amongst the most important financial decisions that you'll make, so you need to get it right. If you increase the term by too much, you'll end up paying more cumulative mortgage interest. On the other hand, if you reduce the term to minimise debt interest, you could jeopardise your chances of achieving affordability. If your repayments are too high from day one, you could find a possession order comes through your door for... <a href="http://www.mortgages.org.uk/mortgage-rates-calculator.html">Read the full article</a>Fri, 20 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/mortgage-rates-calculator.htmlInterest Only Mortgage Rates - Find Affordable Interest Only Mortgage Rateshttp://www.mortgages.org.uk/interest-only-mortgage-rates.htmlInterest Only Mortgage Rates The lowest interest only mortgage rates will help you to save money each and every month. The Bank of England has reduced base rates to half of a percent, so there are some extremely competitive interest only mortgage deals currently available. If an existing loan has just ended, you'll have been switched to Standard Variable Rate SVR. Although this is relatively competitive, you'll pay the lender a bigger margin. If your goal is to save the most money, you probably aren't getting the lowest rates. The exceptions to when SVR interest only mortgage rates are... <a href="http://www.mortgages.org.uk/interest-only-mortgage-rates.html">Read the full article</a>Thu, 19 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/interest-only-mortgage-rates.htmlGuildford Mortgages - Low Interest Rate Mortgage Quotes Guildfordhttp://www.mortgages.org.uk/guildford.htmlGuildford Mortgages Guildford mortgages can be repaid in a number of different ways. If you are considering buying property in this attractive town, you need to think about how long you want to be paying mortgages rates for and whether you want to pay the loan and interest together or via two separate payment plans. Here we will look at some of the issues you need to consider when deciding what method of repaying mortgages for your property in Guildford you want to apply for. For centuries, Guildford has been commercially important because of its strategic position between London and the... <a href="http://www.mortgages.org.uk/guildford.html">Read the full article</a>Wed, 18 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/guildford.htmlNon Status Mortgage - Understand Non Status Mortgages and Get Quoteshttp://www.mortgages.org.uk/non-status-mortgage.htmlNon Status Mortgage A non status mortgage is more commonly known these days as a self-certification mortgage. These are designed for those who find it difficult to prove their income such as the self-employed and contractors. The idea is that lenders that write a non status mortgage will require less proof of income than they would for a standard home loan. The borrower of a non status mortgage effectively certifies their own income. A non status mortgage was an incredibly popular product before the beginning of the financial crisis. Now though, those applying for a non status mortgage will... <a href="http://www.mortgages.org.uk/non-status-mortgage.html">Read the full article</a>Tue, 17 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/non-status-mortgage.htmlMortgage Unemployment Insurance - Consider the Benefits of Mortgage Protectionhttp://www.mortgages.org.uk/mortgage-unemployment-insurance.htmlMortgage Unemployment Insurance Mortgage unemployment insurance, also known as payment protection insurance or PPI, has had somewhat of a bad press of late. In fact, UK banks were forced to set aside billions of pounds to cover claims of PPI mis-selling cases in 2011. This evolved from lenders selling mortgage unemployment insurance and other types of protection on loans and credit cards to customers that would not have been able to make a claim on their cover even if they needed to. Needless to say, after such a huge controversy, mortgage unemployment insurance is now much more closely... <a href="http://www.mortgages.org.uk/mortgage-unemployment-insurance.html">Read the full article</a>Mon, 16 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/mortgage-unemployment-insurance.htmlSouth Cambridgeshire Mortgages - Low Interest Rate Mortgage Quotes South Cambridgeshirehttp://www.mortgages.org.uk/south-cambridgeshire.htmlSouth Cambridgeshire Mortgages South Cambridgeshire mortgages are very much in demand since the region was ranked in 2011 as rural Britain's 'best place to live' [1]. The survey, carried out by Halifax, compared regional climate, school performance, employment prospects, health, income and life expectancy across 140 different local authority districts. South Cambridgeshire came out top with its is peaceful countryside and attractive traditional villages, which make it the most idyllic district in Cambridgeshire, and perhaps the East of England. The district of South Cambridgeshire, which... <a href="http://www.mortgages.org.uk/south-cambridgeshire.html">Read the full article</a>Sun, 15 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/south-cambridgeshire.htmlMortgage Help - Find Quality Home Mortgage Helphttp://www.mortgages.org.uk/mortgage-help.htmlMortgage Help If you're considering refinancing your home, you may be looking for a source of mortgage help. There's rarely been a better time to get a remortgage because the Bank of England has set base rates at an historic low of only 0.5 percent. From this level, there's far more scope for interest rates to go up than go down. Getting mortgage help at this stage could enable you to find a tracker loan at less than 2 percent or a very competitive 5 year fixed rate loan that will maintain repayment consistency for the next 5 years. With so many products to choose from, it can be difficult... <a href="http://www.mortgages.org.uk/mortgage-help.html">Read the full article</a>Sun, 15 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/mortgage-help.html5 Year Fixed Mortgage - Find a 5 Year Fixed Mortgage Onlinehttp://www.mortgages.org.uk/5-year-fixed-mortgage.html5 Year Fixed Mortgage A 5 year fixed mortgage is amongst the most popular choices for a loan for both new and existing homeowners. What makes it so popular is that you'll know how much you need to pay the lender each month. Better still, much like with mortgages for commercial properties, you'll know your commitment for the next five years, which is likely to amount to about one-fifth of the overall term. When you're trying to get by on a finite sum of money each month, a 5 year fixed mortgage can help you to stay within budget. Knowing how much money you need to find each month offers the... <a href="http://www.mortgages.org.uk/5-year-fixed-mortgage.html">Read the full article</a>Sat, 14 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/5-year-fixed-mortgage.htmlCommercial Property Mortgage - Find a Low Rate Commercial Property Mortgagehttp://www.mortgages.org.uk/commercial-property-mortgage.htmlCommercial Property Mortgage If you're planning to buy a new business premises, whether you have good credit or are in need of a mortgage loan with poor credit, the chances are that you're going to need a commercial property mortgage. You may already own a business premises and be looking to refinance; this is known as an owner-occupier remortgage. You can either make your application for a commercial property mortgage directly to the lender or, if your position is a bit more complicated, you can go through a broker. Others choose to use a broker because they want to get the best deal. In... <a href="http://www.mortgages.org.uk/commercial-property-mortgage.html">Read the full article</a>Fri, 13 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/commercial-property-mortgage.htmlNorwich Mortgages - Low Interest Rate Mortgage Quotes Norwichhttp://www.mortgages.org.uk/norwich.htmlNorwich mortgages Norwich mortgages are available as variable, fixed rate and tracker deals. Before we look in a little more detail at the differences between these types of mortgages, let's first of all explore why the city of Norwich is such a great place to live. In Norman times, Norwich was actually one of the five largest cities in England, and although it has remained relatively manageable as a city with fewer than 150,000 inhabitants, it is still the capital of Norfolk and the largest city in East Anglia. Norwich has many attractions with a fine cathedral, a castle, and around thirty... <a href="http://www.mortgages.org.uk/norwich.html">Read the full article</a>Thu, 12 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/norwich.htmlBraintree Mortgages - Low Interest Rate Mortgage Quotes Braintreehttp://www.mortgages.org.uk/braintree.htmlBraintree Mortgages Braintree mortgages and even buy to let mortgages in Braintree are readily available for those that wish to live in this desirable part of the country. Braintree is a lively market town in the East of England with strong historic connections with the textile industry. The wool trade brought prosperity to the town for two centuries with the arrival of Flemish immigrants in the 17th Century, after which a silk mill took over as the town's major employer. The mill, founded by the Courtauld family, was actually in the nearby settlement of Bocking, but today Braintree and... <a href="http://www.mortgages.org.uk/braintree.html">Read the full article</a>Mon, 09 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/braintree.htmlBad Credit Loan Mortgage - Compare Bad Credit Mortgage Rateshttp://www.mortgages.org.uk/bad-credit-loan-mortgage.htmlBad Credit Loan Mortgage A bad credit loan mortgage could be an option for you if you have had debt problems in the past and want to buy a house or secure a buy to let mortgage. In the years prior to the beginning of the financial crisis in 2007, people with poor credit scores had relatively little trouble getting the funding they needed to buy a home. In fact, that was part of the problem. Bad credit loan mortgage deals given to people that could not afford to service them is what sparked the downfall of the banking sector on both sides of the Atlantic. The days when you could just walk off... <a href="http://www.mortgages.org.uk/bad-credit-loan-mortgage.html">Read the full article</a>Mon, 09 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/bad-credit-loan-mortgage.htmlBuy to Let Mortgage Advice - Get Quality Mortgage Advice Onlinehttp://www.mortgages.org.uk/buy-to-let-mortgage-advice.htmlBuy to Let Mortgage Advice Buy to let mortgage advice will be absolutely vital if you're considering buying a property as a buy to let investment. If you are considering investing in a property, you won't be able to take out a standard loan from your bank. Most lenders will let you rent out your home for up to six months if you have a regular residential loan, but if you want to have a tenant in place for longer than that, you'll need to get buy to let mortgage advice to change your loan. If you're buying a home with a view to letting it out, you'll need to get buy to let mortgage advice from... <a href="http://www.mortgages.org.uk/buy-to-let-mortgage-advice.html">Read the full article</a>Sun, 08 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/buy-to-let-mortgage-advice.htmlMortgage Options - Compare Affordable Mortgage Options Onlinehttp://www.mortgages.org.uk/mortgage-options.htmlMortgage Options If you're thinking about refinancing your home, you need to carefully choose the best mortgage company and consider your mortgage options. An existing deal has come to an end, so you've noticed that you're paying Standard Variable Rate SVR. This is the rate that's been set by the Bank of England plus a margin of approximately 2%. This figure could well vary because the lender doesn't have to reduce the rate of interest. It works a lot like a tracker deal, but it isn't quite as affordable. It's one of your mortgage options, but there are usually better ways to save money. Much... <a href="http://www.mortgages.org.uk/mortgage-options.html">Read the full article</a>Sat, 07 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/mortgage-options.htmlKings Lynn and West Norfolk Mortgages - Low Interest Rate Mortgage Quotes Kings Lynn and West Norfolkhttp://www.mortgages.org.uk/kings-lynn-and-west-norfolk.htmlKings Lynn and West Norfolk Mortgages Kings Lynn and West Norfolk mortgages are on offer from a large number of banks and building societies with branches in this picturesque region. Property developers and first time buyers alike are attracted by a great location straddling the bay and estuary of the Wash and the Great Ouse River. The town remains an active port today as it has been for centuries. With the Birmingham and London, and the counties of Lincolnshire, Cambridgeshire, Suffolk, Essex, Befordshire, and Kent all within 100 miles, Kings Lynn and West Norfolk is a great place to set up... <a href="http://www.mortgages.org.uk/kings-lynn-and-west-norfolk.html">Read the full article</a>Fri, 06 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/kings-lynn-and-west-norfolk.htmlBest Mortgage Lenders - Compare the Best Mortgage Lenders Onlinehttp://www.mortgages.org.uk/best-mortgage-lenders.htmlBest Mortgage Lenders When you're considering refinancing, you only want to deal with the best mortgage lenders. This can be difficult to ascertain because even those who have been fined by the Financial Services Authority FSA have cleaned up their act in recent years. This is good news for the typical customer because you're less likely to deal with a bank that doesn't care. However, customers do need to move away from the notion that their bank will serve them better than others because they've been with them for many years. Most of the leading lenders will offer the best remortgage to new... <a href="http://www.mortgages.org.uk/best-mortgage-lenders.html">Read the full article</a>Fri, 06 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/best-mortgage-lenders.htmlMortgage Amortization Calculator - Find a Free Mortgage Calculator Onlinehttp://www.mortgages.org.uk/mortgage-amortization-calculator.htmlMortgage Amortization Calculator A mortgage amortization calculator enables the homeowner to see how the principal is affected by making periodic payments. This means that more of each payment goes towards reducing the amount that you owe, and not just paying the lender interest. Your lender uses a mortgage amortization calculator to determine how much you need to pay each month to amortize or pay off the balance by the end of the agreed term. Most people will already realise that extending the term reduces the amount that you need to find each month, but leads to more debt interest accruing... <a href="http://www.mortgages.org.uk/mortgage-amortization-calculator.html">Read the full article</a>Thu, 05 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/mortgage-amortization-calculator.htmlSt Albans Mortgages - Low Interest Rate Mortgage Quotes St Albanshttp://www.mortgages.org.uk/st-albans.htmlSt Albans Mortgages St Albans Mortgages or buy to let mortgage deals are not easy to secure due to the very high property prices of this popular commuter town. With very easy access to London and many historic attractions and a vibrant cultural life the high demand for property has meant that the area perennially remains one of the most expensive in the United Kingdom. Why St Albans? The historic town of St Albans in Hertfordshire is dominated by its imposing cathedral. Built on the hill where the Christian martyr St Alban was beheaded, it is the longest church in the East of England. St... <a href="http://www.mortgages.org.uk/st-albans.html">Read the full article</a>Tue, 03 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/st-albans.htmlMortgages for Business - Find Affordable Business Loan Rateshttp://www.mortgages.org.uk/mortgages-for-business.htmlMortgages for Business Mortgages for business, as the term suggests, are loans that are provided to companies, partnerships, and sole traders to purchase property for business use. Buy-to-let mortgages are also considered to be mortgages for business. Mortgages for business are awarded in much the same way as residential endowment mortgage deals. A company looking for mortgages for business will have its creditworthiness assessed by a lender and the amount of money that can be borrowed and the interest charged will be determined from there. Any business thinking of taking on additional... <a href="http://www.mortgages.org.uk/mortgages-for-business.html">Read the full article</a>Mon, 02 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/mortgages-for-business.htmlEndowment Mortgage - Discover the Advantages and Compare Rateshttp://www.mortgages.org.uk/endowment-mortgage.htmlEndowment Mortgage An endowment mortgage, unlike normal deals such as new build mortgage loans, allows a borrower to repay only the interest on their mortgage while investing the capital they would have paid back to their lender in an endowment policy. The idea is then that the money invested in the endowment policy will grow substantially enough to pay of the capital of the loan at the end of its term and leave a surplus. These mortgages enjoyed huge popularity in the 1980s but are now much less common due to a number of mis-selling scandals and a huge fall in the returns endowment policies... <a href="http://www.mortgages.org.uk/endowment-mortgage.html">Read the full article</a>Sun, 01 Apr 2012 00:00:00 ESThttp://www.mortgages.org.uk/endowment-mortgage.htmlCherwell Mortgages - Low Interest Rate Mortgage Quotes Cherwellhttp://www.mortgages.org.uk/cherwell.htmlCherwell Mortgages Cherwell mortgages are available from a wide range of mortgage providers in Oxfordshire. The criteria for being accepted for a mortgage offer or a buy to let mortgage deal are much more stringent since the financial crisis, with larger deposits expected. If you are able to raise the money, however, there are few parts of South East England that have more to offer than Cherwell. The district of Cherwell in North Oxfordshire is perennially popular with people looking to buy with an easy commute to either Oxford or London. With attractive market towns like Banbury and... <a href="http://www.mortgages.org.uk/cherwell.html">Read the full article</a>Sat, 31 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/cherwell.htmlNew Build Mortgages - Find Great Rates on New Home Loanshttp://www.mortgages.org.uk/new-build-mortgages.htmlNew Build Mortgages New build mortgages should not be confused with loans provided for landowners to build a property on their land. New build mortgages, as the title suggests, are for people who want to buy a new build home. In other words, ones that has only just been built. Some new build mortgages will even allow a borrower to purchase a home before it has been finished. Many lenders pulled out of the new build mortgages market in the direct aftermath of the credit crunch when property prices started to tumble. Unfortunately, new build properties were among the hardest hit.... <a href="http://www.mortgages.org.uk/new-build-mortgages.html">Read the full article</a>Sat, 31 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/new-build-mortgages.htmlMortgages Loans - Consider the Options and Compare Rateshttp://www.mortgages.org.uk/mortgages-loans.htmlMortgages Loans Mortgages loans can be confusing. Especially if you're a first-time buyer who's never looked into getting one before. If you are new to the mortgage market, chances are you'll find it a lot more difficult to secure a loan these days than you would before the beginning of the financial crisis in 2007. Prior to the credit crunch, which was largely caused by irresponsible mortgage lending on both sides of the Atlantic, a first-time buyer could easily secure mortgages or guarantor mortgage loan deals at many times their salary. Some lenders even supplied loans that provided funds... <a href="http://www.mortgages.org.uk/mortgages-loans.html">Read the full article</a>Fri, 30 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/mortgages-loans.htmlGuarantor Mortgage - Consider the Advantages and Gather Quoteshttp://www.mortgages.org.uk/guarantor-mortgage.htmlGuarantor Mortgage A guarantor mortgage could help you secure the funding you need to buy the home of your dreams with the help of somebody willing to effectively underwrite your loan. With many properties currently out of reach for most first-time buyers, a guarantor mortgage could be an attractive option for those who are comparing mortgage interest rates but are unable to get their feet on the first rung of housing ladder. A guarantor mortgage allows a borrower to get a mortgage for an amount they would not otherwise be able to qualify for by asking a close friend or relative to guarantee... <a href="http://www.mortgages.org.uk/guarantor-mortgage.html">Read the full article</a>Thu, 29 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/guarantor-mortgage.htmlDacorum Mortgages - Low Interest Rate Mortgage Quotes Dacorumhttp://www.mortgages.org.uk/dacorum.htmlDacorum Mortgages Dacorum mortgages can be obtained from a number of lenders throughout the picturesque Hertfordshire borough. Whether you are looking to buy your first home or are scouting for a buy to let mortgage to add to your burgeoning property portfolio, you will certainly be able to find a company that is offering mortgages that are appropriate for your needs. Why Dacorum? Dacorum is a popular place to look for a home, incorporating as it does a number of desirable and historic towns, including Hemel Hempstead, Berkhamsted and Tring. The landscape of Dacorum is dominated by the... <a href="http://www.mortgages.org.uk/dacorum.html">Read the full article</a>Wed, 28 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/dacorum.htmlThurrock Mortgages - Low Interest Rate Mortgage Quotes Thurrockhttp://www.mortgages.org.uk/thurrock.htmlThurrock Mortgages Thurrock mortgages can be accessed either through national or local banks and building societies. For anyone planning to buy a property in here or indeed anywhere in Essex or the rest of the East of England, it is important to spend time researching which mortgages are the most appropriate for your purchase, whether you are buying a commercial or residential property for yourself or for investment purposes. We are living in challenging financial times, and we regularly hear about the reluctance of mortgage lenders to consider an application unless a very large deposit can... <a href="http://www.mortgages.org.uk/thurrock.html">Read the full article</a>Sun, 25 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/thurrock.htmlMortgage Rates Comparison - Gather and Compare Affordable Mortgage Rates http://www.mortgages.org.uk/mortgage-rates-comparison.htmlMortgage Rates Comparison A mortgage rates comparison allows a potential borrower to make a comparison of the different mortgage interest rates charged by different lenders. The rate that a property buyer can expect to be charged will be dependent on a number of factors. Firstly, and perhaps most importantly, all banks set their borrowing according to the current rate set by the Bank of England. Generally, if the Bank of England base rate rises, so will the amount lenders charge their customers for taking out a mortgage or a commercial mortgage loan. Banks can and do set their interest rates... <a href="http://www.mortgages.org.uk/mortgage-rates-comparison.html">Read the full article</a>Sat, 24 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/mortgage-rates-comparison.htmlCommercial Mortgage Broker - Find an Affordable Commercial Mortgage Brokerhttp://www.mortgages.org.uk/commercial-mortgage-broker.htmlCommercial Mortgage Broker A commercial mortgage broker at a reputable mortgage lender can help you find the right loan for your business. Whether you're a small or medium-sized business owner, or a buy-to-let investor looking to expand your portfolio, a commercial mortgage broker could be the best chance for you to find the most competitive deal on the market. Brokers used to have a bit of an iffy reputation. This was before the internet though. When you used a broker in the past, you'd more often than not be dealing with somebody on the end of the phone that perhaps did not inspire an awful... <a href="http://www.mortgages.org.uk/commercial-mortgage-broker.html">Read the full article</a>Fri, 23 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/commercial-mortgage-broker.htmlBlackburn Mortgages - Low Interest Rate Mortgage Quotes Blackburnhttp://www.mortgages.org.uk/blackburn.htmlBlackburn Mortgages Comparing Blackburn mortgages can help you find the most appropriate and affordable product for your needs. With so much information available online, it is possible to research not only Blackburn mortgages, but to also compare the offers of lenders from across North West England. With a population of more than 100,000, the Lancashire town of Blackburn is a vibrant place with a historic football team and a strong industrial heritage. Buying your own home is the largest investment you will ever make and finding the right Blackburn mortgages is just as important for the... <a href="http://www.mortgages.org.uk/blackburn.html">Read the full article</a>Thu, 22 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/blackburn.htmlMortgage Provider - Find an Affordable Mortgage Providerhttp://www.mortgages.org.uk/mortgage-provider.htmlMortgage Provider Selecting the right mortgage provider doesn't just affect your repayments, it also has implications for the way that you're treated. Although the Financial Services Authority (FSA) has a basic requirement that all people are treated sympathetically, it's clear that one provider isn't the same as the next one. In these difficult times, we all want to find ways to save money. Given how much we spend on our mortgage each month, selecting a provider that offers a competitive APR and doesn't include lots of different charges is worth its weight in gold. If you're currently in... <a href="http://www.mortgages.org.uk/mortgage-provider.html">Read the full article</a>Thu, 22 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/mortgage-provider.htmlMortgage Borrowing Calculator - Use a Free Mortgage Borrowing Calculatorhttp://www.mortgages.org.uk/mortgage-borrowing-calculator.htmlMortgage Borrowing Calculator If you need to get a loan to buy a house, a mortgage borrowing calculator helps determine the repayments. It isn't always easy to ascertain how much money you'll need to set aside for buying a property in your head, but this needn't present an issue. You only need to know the size of the loan, term and rate of interest you'll pay. Enter these into your mortgage borrowing calculator and you'll ascertain how much your desired buy to let loan or other type of loan is going to cost you each month and the amount cumulative debt interest you'll pay. Just as... <a href="http://www.mortgages.org.uk/mortgage-borrowing-calculator.html">Read the full article</a>Wed, 21 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/mortgage-borrowing-calculator.htmlBuy to Let Mortgage Deals - Compare Buy to Let Mortgage Deals Onlinehttp://www.mortgages.org.uk/buy-to-let-mortgage-deals.htmlBuy to Let Mortgage Deals House prices may have fallen since 2007, but unlike fixed rate mortgage deals, buy to let mortgage deals are starting to become popular once again. There are many people who'd like to buy a house, but are currently unable to do so. Since the credit crisis, the Financial Services Authority (FSA) has made it a lot harder for people to get onto the property ladder. This isn't some malicious attempt to prevent recovery, it's to stop people from getting into financial difficulty and forfeiting their home. This has created a growing demand for buy to let mortgage deals... <a href="http://www.mortgages.org.uk/buy-to-let-mortgage-deals.html">Read the full article</a>Tue, 20 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/buy-to-let-mortgage-deals.htmlCanterbury Mortgages - Low Interest Rate Mortgage Quotes Canterburyhttp://www.mortgages.org.uk/canterbury.htmlCanterbury Mortgages Canterbury mortgages enable residents of this renowned cathedral city to fulfill their aim of owning a home. A house is the largest financial investment that many property owners in South East England will ever make, and most of these individuals will not have the cash to hand to buy their residence out of pocket. Affordable mortgages make it possible to pay off a loan for a Canterbury home over a set period of time, usually 25 years. The more you know about the different types of Canterbury mortgages before you shop for a home, the better off you'll be when it comes to... <a href="http://www.mortgages.org.uk/canterbury.html">Read the full article</a>Mon, 19 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/canterbury.htmlHolyhead Mortgages - Low Interest Rate Mortgage Quotes Holyheadhttp://www.mortgages.org.uk/holyhead.htmlHolyhead Mortgages Sourcing affordable Holyhead mortgages has never been faster or more convenient. Online search tools have made it possible to request quotes on Holyhead mortgages from some of the leading providers in Wales without leaving your home or office. Check up to date interest rates and terms online in a secure, confidential environment to find the best deal on a loan to buy an Anglesey home. Located on the Irish Sea, Holyhead is a port town with a mild, maritime climate. The Port of Holyhead operates a busy ferry service to Dublin, Ireland. Would be homeowners in Holyhead can... <a href="http://www.mortgages.org.uk/holyhead.html">Read the full article</a>Fri, 16 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/holyhead.html2 Year Fixed Rate Mortgage - Understand your Home Loan Optionshttp://www.mortgages.org.uk/2-year-fixed-rate-mortgage.html2 Year Fixed Rate Mortgage A 2 year fixed rate mortgage means that the interest rate attached to your mortgage is fixed for a 2 year period. When deciding to get a mortgage you will have a number of things you have to decide on. One of the main things you have to decide on is the interest rate option you want. There are five in total to choose from, these are tracker, fixed, discount, LIBOR and capped. Each of these options will set a home loan's interest in a different way for a number of years. Each option has its advantages and disadvantages, but all of them will only apply for a certain... <a href="http://www.mortgages.org.uk/2-year-fixed-rate-mortgage.html">Read the full article</a>Thu, 15 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/2-year-fixed-rate-mortgage.htmlBest Mortgage Deals Available - Find Cheap Home Financing Rates http://www.mortgages.org.uk/best-mortgage-deals-available.htmlBest Mortgage Deals Available The best mortgage deals available are going to be the deals that are best suited to you and your circumstances. For example if you are on a low income that is not set to go up for a number of years, you may want to look at mortgages with a fixed interest rate on them with an interest only repayment plan attached. If on the other hand you are on a higher income which is set up go up you may be more comfortable looking at mortgages with a capped or tracker interest rate attached to them so you can benefit from falling public interest rates. The best mortgage deals... <a href="http://www.mortgages.org.uk/best-mortgage-deals-available.html">Read the full article</a>Wed, 14 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/best-mortgage-deals-available.htmlLancaster Mortgages - Low Interest Rate Mortgage Quotes Lancasterhttp://www.mortgages.org.uk/lancaster.htmlLancaster Mortgages Comparing Lancaster mortgages will give you an overview of the market before you begin your search for a loan. In this centre of culture, education and commerce, the mortgage industry is highly competitive. Residents of Lancaster who wish to own a home have a number of favourable deals to choose from, many of which feature discounted interest rates and attractive mortgage repayment terms. The city of Lancaster has been associated with the monarchy for centuries, and the culture of Lancaster continues to reflect this historic relationship. Lancaster has a diverse economy,... <a href="http://www.mortgages.org.uk/lancaster.html">Read the full article</a>Tue, 13 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/lancaster.htmlFree Mortgage Advice - Discover Affordable Home Loan Optionshttp://www.mortgages.org.uk/free-mortgage-advice.htmlFree Mortgage Advice Getting free mortgage advice can help someone make the right decision on which mortgage loan to get and help them save hundreds if not thousands of pounds. Considering you could make this sort of money saving for free, looking into free mortgage advice is definitely worth the effort. If you are new to mortgages a lot of the terminology may baffle you a bit. References to interest rate options, public interest rates, repayment plans, deposits, and specialist mortgage types may leave you feeling very confused and slightly daunted. If this description fits you, then free... <a href="http://www.mortgages.org.uk/free-mortgage-advice.html">Read the full article</a>Tue, 13 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/free-mortgage-advice.htmlFixed Mortgages - Discover the Advantages of Fixed Rates http://www.mortgages.org.uk/fixed-mortgages.htmlFixed Mortgages Fixed mortgages are a great help for anyone who is looking for some security and assurance from their mortgage loan. When you first start looking at mortgages or right to buy mortgage deals you are going to have make a number of decision on the type of mortgage you want. There are two main decisions to make; what repayment plan you want on your mortgage and what interest rate option you want on your mortgage. There are five different interest rate options to choose from when you are getting out a mortgage. These are fixed, capped, discount, tracker and LIBOR. Each one of these... <a href="http://www.mortgages.org.uk/fixed-mortgages.html">Read the full article</a>Mon, 12 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/fixed-mortgages.htmlRight to Buy Mortgages - Consider the Benefits and Find Dealshttp://www.mortgages.org.uk/right-to-buy-mortgages.htmlRight to Buy Mortgages Right to buy mortgages or buy to let mortgage packages are a fantastic way for anyone renting a council property to purchase their property at a discounted price. Right to buy mortgages where introduced into the property market in the 1980s as a way to help people who are trying to climb the social ladder and move up from what might have been working class roots into a more middle class standard of living. The way that right to buy mortgages work is very simple. If you have been living as a tenant in a council house for a number of years you simply need to contact your... <a href="http://www.mortgages.org.uk/right-to-buy-mortgages.html">Read the full article</a>Sun, 11 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/right-to-buy-mortgages.htmlOxford Mortgages - Low Interest Rate Mortgage Quotes Oxfordhttp://www.mortgages.org.uk/oxford.htmlOxford Mortgages Discounted Oxford mortgages make it easier to afford a home that meets your needs rather than settling for a cheaper, second rate property. When you're shopping for mortgages, a free online mortgaging calculator can help you determine whether a loan is affordable at your lender's interest rate. Use a calculator to estimate your monthly repayments with and without the lender's promotional discount to get the best deal. Many banks and building societies in Oxfordshire offer promotional discounts during the first few years of a lending arrangement in order to attract new... <a href="http://www.mortgages.org.uk/oxford.html">Read the full article</a>Sat, 10 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/oxford.htmlBedford Mortgages - Low Interest Rate Mortgage Quotes Bedfordhttp://www.mortgages.org.uk/bedford.htmlBedford Mortgages Discounts on Bedford mortgages make it easier to afford to buy an East of England home. If you aim to purchase a house of your own, competitive deals on Bedford mortgages can place this goal within your reach. Compare up to date quotes on a number of discounted mortgages to find a deal that will enable you to buy the property you want at a price you can afford. The borough of Bedford encloses a large town with outlying rural areas. The town of Bedford is home to a number of popular cultural events and festivals that draw many visitors each year. Whether your dream is to own... <a href="http://www.mortgages.org.uk/bedford.html">Read the full article</a>Wed, 07 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/bedford.htmlArun Mortgages - Low Interest Rate Mortgage Quotes Arunhttp://www.mortgages.org.uk/arun.htmlArun Mortgages Arun mortgages have placed the dream of home ownership within reach of many of the inhabitants of this district in West Sussex. Competitive interest rates, favourable repayment terms and attractive introductory discounts have made it possible for many residents of Arun to buy their homes. If you aim to own a house or flat in the near future, source Arun mortgages from reliable, FSA regulated lenders in South East England. A mortgage is a long term commitment, which may last up to 25 years or more. During this time, you will be required to keep up repayments on your loan or risk... <a href="http://www.mortgages.org.uk/arun.html">Read the full article</a>Sun, 04 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/arun.htmlPoole Mortgages - Low Interest Rate Mortgage Quotes Poolehttp://www.mortgages.org.uk/poole.htmlPoole Mortgages Poole mortgages are available from local and national lenders. If you are in the process of buying a residential or commercial property in Poole or the wider Dorset area, then you should certainly spend time in calculating mortgages and researching which Poole mortgages might be most appropriate for your particular purchase. In these difficult financial times, we are constantly hearing how difficult it is to secure lending from banks and building societies. Certainly there are certain element of securing mortgages that are more challenging today than they were five years ago.... <a href="http://www.mortgages.org.uk/poole.html">Read the full article</a>Thu, 01 Mar 2012 00:00:00 ESThttp://www.mortgages.org.uk/poole.html