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Getting a mortgage

Details: Online mortgage brokers. Last updated: Apr 2021. These days you can find and apply for a mortgage at the touch of a button. Find out how online mortgage brokers work, the differences between sites including Habito and Trussle, and the pros and cons of using one.

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Mortgage lender reviews

Details: The Co-operative Bank and Platform mortgage review. Last updated: Oct 2021. Our Co-operative Bank mortgage review combines customer feedback with expert deal analysis to reveal whether Platform - its intermediary-only mortgage brand - is worth …

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Cheapest mortgage deals revealed as rates rise – Which

Details: Mortgage rates are continuing to rise slowly, a month on from the Bank of England increasing the base rate to 0.25%. Borrowers with big deposits have seen the cheapest mortgage rates rise from historic lows of 0.79% to more than 1% in the last few months, as lenders prepared for an upcoming increase in the base rate.

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New mortgage lets you borrow seven times income – …

Details: Most mortgage lenders will allow you to borrow up to four and a half times your household income when applying for a loan, though a handful offer up to five and a half times if you meet certain criteria. Habito’s deal, however, lets you borrow up to seven times your income. So theoretically, if you earn £30,000 a year, you could borrow up to

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90% and 95% mortgage rates for first-time buyers – …

Details: Low-deposit mortgage market thrives. Nine in ten 90% and 95% mortgages were withdrawn from the market in the wake of the Covid-19 outbreak in 2019, but nearly two years on, the landscape looks much better for first-time buyers with small deposits.. The 95% mortgage guarantee scheme, which was launched last April, resulted in a flurry of mortgages coming on …

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Should you overpay your mortgage

Details: Most mortgages will allow you to overpay up to 10% of the balance of the mortgage fee-free per year, but you should check your bank’s policy before making additional payments. A 10% limit means that on a £200,000 mortgage, you’ll be able to overpay by £20,000 each year. If you want to pay a bigger sum, consider staggering your payments or

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Biggest problems when buying a house – Which

Details: Mortgage Advisers, said: ‘Moving home can be time-consuming, stressful and expensive – and while some problems will be out of your control, there are certain steps you can take. ‘Clearer communication and opting for well-respected mortgage advisers, removal companies and conveyancers who are able to work to your timescales can all help to

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What is a mortgage

Details: A mortgage is a loan that you use to buy a property. When you buy a home, you'll put down a cash deposit (usually at least 5% of the property price) and pay for the rest using a mortgage from a bank or building society. You then pay the mortgage plus interest back in monthly instalments over a set number of years.

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Mortgages for self-employed buyers

Details: For self-employed applicants, mortgage lenders generally require at least two years of accounts signed off by a certified or chartered accountant. However, the more records you can provide, the better. If you can show a consistent or increasing profit over a number of years, this will help your application, as lenders look at average profits

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Help to Buy or 95% mortgage

Details: In recent months, 95% mortgage deals have been getting cheaper, bucking the trend of interest rate rises seen at lower loan-to-value ratios. Last month, the average cost of a two-year fixed-rate deal at 95% dropped to 4.06%, with five year products at 4.43%. Alongside this, more lenders are now offering 95% products, with challenger brands such

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Buying overseas property

Details: Getting a mortgage for a property abroad can be even more complex than applying for one in the UK. For starters, you'll have to decide whether to borrow with a UK bank or one in the country you're buying in. You may also have to pay a bigger deposit; it's common for British buyers to pay a 30-40% deposit on properties in Spain, for example.

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Fixed rate v tracker mortgages: who wins

Details: Mortgage data from Moneyfacts, accessed 3 May 2018 The impact of a base rate increase In theory, an increase of 0.25% in the Bank of England base rate would mean each of the tracker mortgages would be more expensive than …

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Nationwide mortgage review

Details: Nationwide allows you to overpay up to 10% of the mortgage balance each year. How can I contact Nationwide? Mortgages from Nationwide are available directly and through mortgage brokers. Existing mortgage customers can call 0800 30 20 10. For new customers it's 0800 30 20 11. Its website is nationwide.co.uk.

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How first-time buyers can save thousands with a 90% mortgage

Details: AMOUNT SAVED: £2,449.48. For five-year fixed-rate mortgages, saving that extra money for a 90% mortgage yields a huge saving. According to Moneyfacts, the average rate for a five-year fixed-rate mortgage with a 90% LTV was 3.25%. For a 95% LTV deal, the average rate was 4.41%. In this case, if Buyer A was £1,000 short of a 10% deposit and

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Habito launches longest ever fixed-rate mortgage – Which

Details: The online mortgage broker Habito is set to release the longest-ever fixed-rate mortgage, allowing homebuyers to lock in their rate for up to 40 years. The new ‘Habito One’ range will enable borrowers to pay a set interest rate for their full mortgage term, eliminating the need to remortgage every two or five years.

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Accord Mortgages review

Details: Does Accord offer the best mortgage deals? Our experts analysed hundreds of mortgages over a four-week period in July and August 2021. They compiled a total of 206 ‘top-10 cheapest deal’ tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.

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Are the cheapest mortgage deals all they seem

Details: Mortgage rates have fallen in recent months, marking good news for home buyers and people looking to remortgage. Rates of below 1% are now available on two-year fixed-rate deals, and five-year fixes have fallen to the lowest levels on record. There are signs, however, that lenders are making their money elsewhere, in the form of high up-front

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Compare Buy-to-let Mortgages

Details: Compare buy-to-let mortgage deals – not just the deals you can apply for directly with a mortgage lender, but also the deals you can get through our independent mortgage advice service, Which? Mortgage Advisers.

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First Direct mortgage review

Details: Does First Direct offer the best mortgage deals? Our experts analysed hundreds of mortgages over a four-week period in July and August 2021. They compiled a total of 206 ‘top-10 cheapest deal’ tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.

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Online mortgage brokers

Details: Online mortgage brokers – sometimes referred to as 'robo advisers' – allow you to carry out most of the mortgage comparison and application process online, without speaking to a mortgage broker in person or over the phone. This might mean submitting details about your mortgage search to a chatbot, filling in an online form, or selecting

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Is it cheaper to own or rent a home

Details: The mortgage guarantee scheme should make it easier to get a 95% deal, but in the short term, rates are likely to be high. Let’s take 90% mortgages as an example. The best rates on two and five-year fixed term deals are around 3% and 3.3% respectively, that’s about 1.2% more than before the pandemic.

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Lloyds Bank mortgage review

Details: In September 2021, the average rate on a two-year fixed-rate mortgage from Lloyds was 2.18%, compared to the overall market average of 2.38%. How much could I borrow from Lloyds Bank? Lloyds will lend to first-time buyers and home movers …

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Barclays mortgage review

Details: The table below shows how Barclays performed in our latest mortgage satisfaction survey, which gathered feedback from real Barclays customers about everything to do with their mortgages - from the application process to value for money. Customer rating for: Star Rating. Customer service in general. 4 out of 5.

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NatWest mortgage review

Details: NatWest is the title brand of the NatWest Group (formerly The Royal Bank of Scotland Group), and is one of the UK's biggest mortgage lenders. The table below shows how NatWest performed in our latest mortgage satisfaction survey, from application process to …

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Are mortgages getting cheaper

Details: Best mortgage rates in July 2021. The mortgage market is moving quickly at the moment, which means the best rates are changing all the time. The chart below shows the cheapest rates currently available on two and five-year fixed-rate mortgages. You can hover over a bar in the chart below to see which provider currently offers the best rate.

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Offset mortgages

Details: An offset mortgage is a home loan where savings held in a linked bank account are subtracted from the amount of mortgage that you pay interest on, meaning you can either pay less each month or pay off your mortgage more quickly. For example, if you have £20,000 in a savings account that's linked to an offset mortgage of £300,000, you would

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How much can I borrow: mortgage calculator

Details: Use our mortgage interest rate rise calculator to see how your mortgage payments would be affected if your interest rate increased. If you have a fixed-rate mortgage, interest rate rises won’t affect you until the end of your fixed-rate period. But with a variable-rate mortgage, your interest rate could rise or fall at any point during your term.

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The most affordable towns for first-time buyers – Which

Details: Mortgage options for first-time buyers. It’s no secret that many first-time buyers across the country rely on the Bank of Mum and Dad to help with their deposits, and this explains the high figures above to some degree. The availability of low-deposit mortgages is …

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HSBC mortgage review

Details: HSBC is one of the UK's biggest mortgage lenders. Its parent group also owns First Direct and M&S Bank. The table below shows how HSBC performed in our latest mortgage satisfaction survey, from application process to value for money. Customer rating for: Star Rating. Customer service in general. 4 out of 5.

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Leeds Building Society mortgage review

Details: How much could I borrow on a mortgage from Leeds? Leeds will lend to first-time buyers, home movers and remortgagers at 60%, 65%, 75%, 80%, 85%, 90% and 95% loan-to-value. You can apply to borrow 4.75 times your salary if the mortgage loan-to-value is 85% or lower. You can borrow 4.5 times you salary on mortgages at 90% or higher.

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Stamp duty calculator

Details: The cheapest mortgage deals revealed as the base rate rises to 0.25%. 11 Jan 2022. First-time buyers: how to get the best deal on a 90% or 95% mortgage. 11 Jan 2022. Building safety crisis: developers told to pay up to fix unsafe cladding. 10 Jan 2022. Related guides in Which? Money.

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Halifax mortgage review

Details: In September 2021, the average rate on a two-year fixed-rate mortgage from Halifax was 1.84%, compared to the overall market average of 2.38%. How much could I borrow from Halifax? Halifax will lend to first-time buyers and home movers at 60%, …

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The decade-long wait to save a mortgage deposit – Which

Details: Mortgage deposit-saving process getting shorter. In the current market, you would need at least a 5% deposit to get a mortgage. However, according to UK Finance the average first-time buyer deposit is 15%, which is why Hamptons International focused on savers reaching this amount.. The estate agency found that the average single first-time buyer needs 10 years …

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Could you save by taking out a green mortgage

Details: The Barclays Green Home Mortgage is available on new-build properties with EPC ratings of A or B. Buyers can borrow at up to 75% loan-to-value. NatWest’s Green Mortgage is available on new-build or existing homes with ratings of A or B. It is available up to 85% loan-to-value and comes with £250 cashback. Cashback deals for green homes

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Could you save by taking out a 35-year mortgage

Details: The number of borrowers taking out mortgages lasting 35 years or longer has hit a three-year high, as house prices continue to rise. For cash-strapped buyers, a longer mortgage term can be the difference between getting accepted or rejected, but you’ll need to think about the long-term costs before applying.

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11 tax return tips for buy-to-let landlords – Which

Details: The phased changes to mortgage interest tax relief rules have been a source of frustration for many landlords in the past few years. The one piece of good news is that, as of this year, the calculations are more straightforward than before. The 2020-21 tax return is the first on which the new mortgage interest tax relief credit applies.

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How much can you borrow

Details: Budget 2021: new mortgage guarantee scheme to launch. On 3 March 2021, the Chancellor announced a new mortgage guarantee scheme for first-time buyers and home movers in his Budget speech.. The scheme will involve the government offering a guarantee to banks to encourage them to offer 95% mortgages, helping people buy a home with a 5% deposit.

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Covid-19 payment holidays – Which

Details: Payment holidays and Covid-19. Last March, the government announced a package of measures designed to help borrowers struggling with their finances due to the Covid-19 outbreak. This included the ability to apply for temporary payment deferrals on mortgages, credit cards and personal loans. By July, 1.8 million people had taken payment breaks

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Santander mortgage review

Details: In September 2021, the average rate on a two-year fixed-rate mortgage from Santander was 1.73%, compared to the overall market average of 2.38%. How much could I borrow from Santander? Santander will lend to first-time buyers, home movers and remortgagers at 60%, 70%, 75%, 85%, 90% and 95% loan-to-value .

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RBS mortgage review

Details: In September 2021, the average rate on a two-year fixed-rate mortgage from RBS was 1.80%, compared to the overall market average of 2.33%. How much could I borrow from RBS? RBS will lend to first-time buyers and home movers at 60, 70%, 75%, 80%, 85%, 90% and 95% loan-to-value. People remortgaging can borrow at up to 90%.

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The best rates for buy-to-let landlords – Which

Details: Mortgage rates for landlords are falling. Landlords looking to boost their portfolio with a new property will be buoyed by news that buy-to-let mortgage rates are becoming cheaper. The average rate for fixed-term buy-to-let deals dropped to 3.26% in April, from 3.29% last month, according to figures from financial analysis provider Moneyfacts.

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