Affording a Mortgage...
Below are our articles on the subject of Affording a Mortgage. If you can't see what you are looking for our other categories are displayed on the left under 'Our Quick Links'...
Affordability Calculators
In recent years a big change has taken place in the mortgage market that has made how we borrow money, and more importantly how lenders lend money, more innovative...
Are You Classed as a Key Worker?
Key workers are not just nurses and firefighters, there is a whole host of other professions that are classed as key workers. A key worker is essentially anyone that...
Buying a Home with 100% Mortgage
There are those among us who would like to own their own home but cannot afford the deposit for a mortgage because of a low income or poor credit history. To this end...
Can I Lower My Mortgage Payments?
If you’re finding your monthly mortgage payments are becoming too much to handle, don’t despair there are things you can do to lower them.
With lenders...
Can My Mortgage Lender Change My SVR?
When taking out a mortgage it is important to not only know what the rate is you’re paying now but also what the lender’s Standard Variable Rate...
Endowment Mortgages
What is an Endowment Mortgage?
An endowment mortgage is different from an ordinary mortgage in that it does reduce the amount of your mortgage as you pay your...
Fees and Charges When Buying a Home
For those of us buying our first home it is worth remembering that there are additional charges and fees to be incurred when doing so. Many people think, and wrongly...
Foreclosure on a Mortgage
Foreclosure is normally associated with the American banking and mortgage lending industries but is now becoming a popular term in the United Kingdom as well. Here we...
Getting a Deposit Together
When buying property you will be making two types of payment for the property purchase. There is the mortgage of course, the biggest sum that comes from a lender, but...
Getting a Mortgage With a Bad Credit History
There are many people in the United Kingdom – and indeed throughout the world – who suffer from adverse credit which means that when it comes to...
Joint Mortgages for Help With Buying a Home
Some individuals who want to buy a house cannot afford to do so by themselves so they apply for a joint mortgage with either a partner, a friend or...
Mortgage Guarantors
With first-time buyers increasingly struggling to get on the housing ladder, would be buyers are turning to the bank of mum and dad to help give them a helping...
Payment Protection
When paying a mortgage it is always a worth while idea to take into consideration what might happen if you find yourself out of work or unable to work because of an...
Self-Cert Mortgages
With house prices at an all time high traditional mortgage lending is often not adequate to provide enough capital to secure a house. Both borrowers and lenders have...
Should I Go for a Discounted Mortgage Deal?
With increasing uncertainty looming over the Bank’s base rate, mortgage lenders have decided to take a gamble and an increasing number of them...
The Return of 100% LTV: What Are the Risks?
Mortgages that offer 100% of a property’s value have received a bad press over the years, mainly because they are perceived as risky....
Traditional Methods of Lending
Mortgages, in one form or another have been around for centuries – after all it’s basically the idea of borrowing money to buy a house and paying it back with...
Using a Financial Advisor
When buying a property it is important to have input from someone with experience in such matters and there is no one better qualified than a financial advisor to help...
Ways to Help You Get a Mortgage
Applying for a mortgage is much like visiting a doctor, in order for them to give you the all clear you have to complete a health check first.
Banks and...
Where Can I Get a 10% Deposit?
As mortgage lenders increasingly cut back on the amount of money they are willing to lend to prospective house buyers the need to raise a deposit yourself has never...
Why Home Affordability is at a Ten-year High
In some respects mortgage rates have never been cheaper, yet getting on the housing ladder for many has never been tougher.
A cocktail of...
Will I Get Repossessed If I Can't Pay My Mortgage?
In recent years the UK economy has suffered a massive blow, a cocktail of rising unemployment and higher living costs has meant many homeowners...
