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Compare Mortgages & Mortgage Rates GoCompare.com

Details: An offset mortgage links your savings to your mortgage and 'offsets' their value against the loan balance. In practice, this means you'll pay less interest on your mortgage. For example, if you had a mortgage of £100,000 and savings of £20,000, you’d only pay interest on £80,000 of your mortgage.

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Mortgage repayment calculator

Details: Mortgage repayment calculator. If you’re a first-time buyer, moving home or remortgaging an existing property, our calculator illustrates how much your monthly repayments may be and how long you would need to pay off your loan [1]. The calculator is for guidance only - for an exact quotation, tell us more information about your situation and

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Compare Mortgage Payment Protection Insurance at …

Details: What is mortgage protection insurance? Mortgage payment protection insurance (MPPI) is a form of income protection that provides cover for your mortgage payments in case you’re made involuntarily redundant or find yourself unable to work due to accident or illness.. How does it work? MPPI can cover your monthly repayments in full so long as they don’t exceed 65% of …

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100% No Deposit Mortgages GoCompare

Details: What is a 100% mortgage? It’s a mortgage that doesn’t require a deposit. For most loan-to-value mortgages, you pay a percentage of the house’s value upfront (the deposit), and then the lender will pay the rest (the mortgage). For example, for an 80% mortgage, you’d need to provide a deposit of 20%. For a 100% mortgage, the lender pays

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Mortgages for flats

Details: One of the main factors that mortgage providers consider is whether your flat is a freehold or leasehold property, as this can have an impact on the value and the mortgage offer. Leasehold flats. A flat described as leasehold means you're provided with a lease from the owner - known as the 'freeholder' - for a certain period.

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Porting your mortgage

Details: A portable mortgage is one that can be transferred from your current property to the one you're buying next. Although the process is often simplistically described as taking your mortgage with you when you move, porting actually means repaying your existing mortgage on the sale of your current property, and resuming the mortgage on the same

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90%, 95% and other low-deposit mortgages

Details: The mortgage guarantee scheme is designed to help home buyers get a mortgage with only a 5%-9% deposit. For example, the average UK house price was £256,000 in March 2021, according to the Office for National Statistics . So you’d need to put down at least a 5% deposit of £12,800, and take out a 95% mortgage for the remaining £243,200.

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Mortgage prisoners

Details: The term 'mortgage prisoner' is used to refer to anyone who has become trapped on their current mortgage deal, unable to remortgage or move house.. There can be several reasons for this; for example, the financial crisis of 2007-8 created many mortgage prisoners as a result of plummeting house prices which diminished the equity of homeowners.

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Early repayment charges

Details: Early repayment charges (ERCs) are often the trade-off for getting the best mortgage deals.. In return for lower or fixed interest rates and fees, you’re typically expected to commit to the product for a certain length of time - most commonly two or five years, although various other deal lengths are also offered.

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Cashback mortgages

Details: A mortgage adviser will be able to go through any conditions with you and will check you qualify before choosing a deal. Some mortgage advisers charge a fee, but fee-free advice is available. Advantages of a cashback mortgage. Whether or not you should opt for a cashback mortgage depends on your circumstances. Cash lump sum

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Long-Term 30-Year and 35-Year Mortgages

Details: A 25-year mortgage used to be the norm, but borrowers are increasingly looking into longer mortgage terms – up to 40 years – so they can get on the housing ladder. But there are repercussions – a longer term means you’ll have to repay for longer, which could mean being mortgage-free is a long way off.

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Mortgage Life Insurance Compare Quotes with GoCompare

Details: Mortgage life insurance is specifically designed to cover outstanding debts if you die. Because the amount you owe on your mortgage decreases with time, the payout amount usually decreases in line with this too. Level term life insurance is different. It pays out a fixed cash lump sum to your beneficiaries if you die at any point in the policy

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APRC and other rates

Details: The APRC is designed to help consumers compare mortgage deals on a level playing field. It takes into account the initial rate, all fees and charges and the follow-on rate. It then calculates a percentage which tells you how much the mortgage would cost you each year if you were to stick with the same product until your mortgage is fully repaid.

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Mortgage retention for damaged homes

Details: Mortgage retentions aren’t for minor issues like decorative state. They’re for essential works like roof repairs or an electrical rewire. For example, on a £175,000 house with a roof leak, a surveyor might state a value of £175,000 but suggest the lender retain £5,000 until the roof is fixed. The lender will then subtract £5,000 from

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Self-Build Mortgages GoCompare

Details: A self-build mortgage is a loan to finance buying a building plot and constructing your own home on it. Unlike a conventional mortgage, where the money’s handed over to pay for the property in one go, self-build mortgage funds are …

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Self-Employed Mortgage GoCompare

Details: For online mortgage comparison and advice Gocompare.com introduces customers to Mojo Mortgages which is authorised and regulated by the Financial Conduct Authority. Mojo Mortgages is a trading name of Life’s Great Limited.

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Interest-Only Mortgages GoCompare

Details: To qualify for an interest-only mortgage you’ll need to meet some strict criteria, but you should be eligible if you: Have a deposit of at least 25%. Have an annual income of more than £50,000 a year. Have a repayment strategy that’s approved by the lender.

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Mortgages for older people

Details: Most mortgage lenders have an upper age limit for their lending, meaning that the end of your mortgage term can't extend beyond this.. This can make getting a mortgage difficult if you're older. For example, borrowers over 45 may struggle to take out a 25-year mortgage, as they would be at least 70 before the loan was paid off.

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Compare Remortgage Deals GoCompare

Details: With a repayment mortgage, you pay off the interest and borrowed amount (capital) each month for a fixed term. Repayment mortgages will either have a fixed rate, where the monthly repayments are a fixed price for a certain time. Or it’ll be a variable rate, so your monthly repayments may go up and down.

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Bad Credit Mortgages – GoCompare

Details: A mortgage lender will credit score you as part of the process of deciding whether to offer you a mortgage and defaults within the last six years will show up on your credit report. Because of this, it’s best to wait for credit problems to drop from your credit file, all while making payment for other bills and finance on time to strengthen

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Offset Mortgage Accounts GoCompare

Details: An offset mortgage links your savings to your mortgage and 'offsets' the value of your savings against your mortgage. In practice, this means you'll pay less interest on your mortgage. However, it also means your actual savings won't earn any interest. For example, if you take a mortgage for £150,000 but you have £30,000 of savings, taking

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Let-to-Buy Mortgages GoCompare

Details: A let-to-buy mortgage for your current property which will replace your current residential mortgage; A new residential mortgage for the home you want to move to; Often this will be with the same lender who specialises in offering let-to-buy mortgage solutions, but it can be with two different lenders.

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Mortgages for buying at auction

Details: Auction purchase timescales. One of the main deterrents to buying a property at auction with a mortgage is the timescale involved. Once the gavel has fallen, you’ll normally have to put down a 10% deposit on the spot. Then there’s a time limit by which you have to complete the sale, generally 28 days.

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Second charge mortgages

Details: A second mortgage is a secured loan which uses the borrower's home as security. They are sometimes used to raise money if borrowers are unable or unwilling to remortgage, or to get an unsecured personal loan. To get a second mortgage you have to already be a homeowner, but you don't need to live in the property.

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Borrowing money for a mortgage deposit

Details: In today's mortgage market you'll need to find a deposit of at least 5-10% of the purchase price of the property in order to qualify for a mortgage. While a 100% mortgage was an option in the past these are now almost extinct and, in any case, can prove risky because of the chance of finding yourself in negative equity.

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Mortgage Agreement in Principle GoCompare

Details: A mortgage offer is an official document with confirmation from the lender that they will provide you with a mortgage for a particular property. To get a mortgage offer, you need to complete a full mortgage application, where full credit and affordability checks are carried out.

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Guarantor Mortgages Buying a Property with Others

Details: The guarantor is usually tied into the mortgage until enough payments have been made to reduce the mortgage loan-to-value to a certain amount - this is sometimes 80%, but it can be more. This means a guarantor mortgage can potentially span decades. Credit record connection. A guarantor mortgage also connects people's credit records.

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First-Time Buyer Mortgages GoCompare

Details: The government’s Mortgage Guarantee Scheme has helped to increase the number of 95% loan to value (LTV) mortgages available, which means first-time buyers may only need a 5% deposit. Other mortgage schemes, such as the Help to Buy: Equity Loan can also help.

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Consent to Let Renting Out Your House GoCompare

Details: If you want to rent out your home on your current residential mortgage, you’ll need consent to let from your lender. Getting consent to let isn’t free. It typically involves paying a higher rate of interest, a fee, or both. You’ll also have to meet the costs of being a landlord. Consent to let covers the short term.

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Mortgages on leasehold properties

Details: Mortgage providers often have a lower loan-to-value (LTV) that they'll lend on leasehold properties. If it's a new build flat or house, it could be even lower. For example, a provider might offer to lend 90% on a freehold property, but only 85% on a leasehold flat. If the flat's a new build, they might only lend a maximum LTV of 75%.

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Compare Next Time Buyer Mortgages – GoCompare

Details: [1] For online mortgage comparison and advice Gocompare.com introduces customers to Mojo Mortgages which is authorised and regulated by the Financial Conduct Authority. Mojo Mortgages is a trading name of Life’s Great Limited. Gocompare.com’s relationship with Life’s Great Limited is limited to that of a business partnership, no common ownership or control exists between us.

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Holiday Let Mortgages GoCompare

Details: Can get a holiday let mortgage for up to 75% of the property’s value. Lenders use average weekly rent across low, medium and high seasons. The maximum amount you can borrow could be capped, often around £500,000. How many holiday let mortgages you can have might be limited. The property must be fully furnished.

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Right to Buy Mortgages – GoCompare

Details: [1] For online mortgage comparison and advice Gocompare.com introduces customers to Mojo Mortgages which is authorised and regulated by the Financial Conduct Authority. Mojo Mortgages is a trading name of Life’s Great Limited.

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Commercial Mortgages Business Mortgage GoCompare

Details: A commercial mortgage, sometimes called a business mortgage, acts as a medium to long-term loan that generally spans between three and 25 years. To start with, most lenders will require you to have a deposit of between 25% to 50%. And the maximum amount you can usually borrow, the loan-to-value (LTV) ratio, is 75% of the value of your business

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Buy-to-Let Mortgages – GoCompare

Details: Loan to value. The loan to value is the amount you need to borrow (loan) out of the total cost (value) of the house purchased. For most buy-to-let mortgages you’ll need a substantial deposit, usually around 25%. So in this case the loan to value would be 75%. Some lenders offer a higher loan-to-value, but these deals may be thin on the ground

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Mortgages for ex-local authority properties

Details: [1] For online mortgage comparison and advice Gocompare.com introduces customers to Mojo Mortgages which is authorised and regulated by the Financial Conduct Authority. Mojo Mortgages is a trading name of Life’s Great Limited.

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Government Schemes for First-time Buyers Mortgages

Details: What is a government mortgage scheme? Government mortgage schemes are designed to help make it easier and more affordable for people to buy a home by providing financial support.. These schemes are typically used to help first-time buyers and people with smaller deposits to get on or move up the housing ladder.

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Tracker Mortgages Explained – GoCompare

Details: Tracker mortgages are variable-rate mortgages that follow changes in the Bank of England base rate. Tracker mortgages tend to be a lower rate than a lender’s standard variable rate, but there’s always a risk of the base rate going up. Speak with a mortgage adviser to help you decide if a tracker mortgage is the one for you.

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Should you use a mortgage broker

Details: A mortgage broker - or mortgage adviser - searches the market and gives you advice on which product might best suit your financial circumstances. The broker can then apply for the mortgage on your behalf. Brokers normally get paid a commission from the lender they arrange your mortgage with. Alternatively, they may charge you for their services.

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Mortgage Arrears and Repayment Problems

Details: If you have mortgage payment protection insurance (MPPI), depending on the circumstances and the policy, you could have your mortgage payments covered in full. MPPI insurance is a type of income protection , and could cover your mortgage payments in cases of accident, sickness and/or unemployment.

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How parents can help children buy a home

Details: A mortgage lender will want proof that the money is a gift, which will usually mean signing a declaration saying that the person gifting the money doesn't want it back and doesn't expect to have any equity or legal interest in the property.

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10 Year Fixed Rate Mortgages

Details: A 10-year fixed-rate mortgage will keep you locked in to the same interest rate on your mortgage for a decade. 10-year fixed-rate mortgages disappeared from the market for a few years after the credit crunch but they made a grand Spandau Ballet-esque comeback in 2014 and they’re still going strong. Official statistics from the Bank of England

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Interest-only or repayment best for buy-to-let

Details: Up until 2016, mortgage interest payments could be fully offset against rental income, which can be very beneficial for tax planning. For example, if a property is let for £1,000 a month and the interest-only mortgage payments are £600 a month then there's only £400 to be taxed each month - and that's before other expenses are factored in.

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Home Insurance for First-Time Home Buyers GoCompare

Details: Even if you don’t need a mortgage to buy your home, it’s still a good idea to take out buildings insurance. You’ll need to think about how you’d pay for repairs, or even a rebuild, if your home was damaged by an unforeseen event - for example, a flood, fire or storm.

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