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
With the traditional method of lending sometimes deemed too rigid lenders have developed affordability calculators to see what a borrower really can afford and help…...
Are You Classed as a Key Worker?
The government’s definition of who is classed as a key worker is quite broad, this article looks at just who is and isn’t classed as a key worker....
Buying a Home with 100% Mortgage
This article looks at one hundred per cent mortgages and examines under what circumstances you may need one...
Can I Lower My Mortgage Payments?
With unpredictable interest rates and rising unemployment, more people are finding it harder to pay their mortgage....
Can My Mortgage Lender Change My SVR?
Most lenders’ Standard Variable Rate will track the Bank of England’s base rate, but there are instances when this is not the case....
Endowment Mortgages
This article looks at the use of endowment policies and discusses how their values can increase and decrease depending on the investments made with them....
Fees and Charges When Buying a Home
This article looks at the fees and charges that can be incurred when buying a home and examines how these fees and charges are arrived at...
Foreclosure on a Mortgage
This article looks at foreclosure and what happens if your mortgage lender decides to foreclose on your home. It also looks at what you can do to prevent your mortgage…...
Getting a Deposit Together
When buying property you will need a mortgage but also need to raise a deposit...
Getting a Mortgage With a Bad Credit History
This article looks at the problems faced when trying to get a mortgage with a bad credit history and explores the options open to you in trying to get a mortgage when…...
Joint Mortgages for Help With Buying a Home
This article looks at Joint Mortgages and discusses the advantages and disadvantages of such products; also it looks at how best to go about applying for a joint mortgage...
Mortgage Guarantors
A look at what a mortgage guarantor is, who can be one, and why it having one may help a first-time buyer get their first foot on the housing ladder....
Payment Protection
This article looks at payment protection and discusses how it can be invaluable to the subscriber if he or she is out of work due to redundancy or ill health...
Self-Cert Mortgages
With house prices so high borrowers want to know they have every chance available to them to get their dream home. Self-cert mortgages help those who can’t prove their…...
Should I Go for a Discounted Mortgage Deal?
Discounted mortgages might sound like a good deal, but many come with a nasty sting in the tail so it’s important you know what you are signing up to....
The Return of 100% LTV: What Are the Risks?
For the first time since the credit crunch, 100% LTV mortgage are starting to resurface; this article explores their pros and cons....
Traditional Methods of Lending
Mortgages today come in all shapes and sizes as lenders try to help with the affordability problem, but what is the traditional form of lending?...
Using a Financial Advisor
This article looks at the role of a financial advisor in helping you find the right mortgage for your affordable home...
Ways to Help You Get a Mortgage
Not everyone who applies for a mortgage is granted one, so it is important that your finances are in as good a condition as they can be....
Where Can I Get a 10% Deposit?
Just because you don’t have a 10% deposit sitting in your bank account it does not mean you can’t look elsewhere to raise the funds....
Why Home Affordability is at a Ten-year High
For many getting a foot on the housing ladder seems to be impossible, despite mortgage affordability being at a ten-year high....
Will I Get Repossessed If I Can't Pay My Mortgage?
If you're struggling to meet your mortgage payments, don’t worry, you are not alone, but just because you fall behind with your payments it doesn’t mean you will get…...