A mortgage is a method of borrowing money for the purchase of real property, where the mortgage lender
uses the property itself as security for the loan. Real property is land and buildings, such as houses and flats. Mortgages are usually for a fixed
period of time, often up to 25 years, but early repayment is normally allowed. The mortgage itself is a legal arrangement, which requires the services
of a solicitor to prepare the legal documents. The mortgagee is given certain rights over the property, including the ability to sell the property if
the borrower fails to keep up their agreed payments. A mortgage is therefore a serious commitment.
We have put together this collection of guides about mortgages, which we hope you will find helpful.
| 100% Mortgage | A 100% mortgage is where the mortgage lender allows you to borrow the full purchase price of the property you are buying.  |
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| Adverse Credit Mortgage Advice | Adverse credit mortgages allow people with a range of previous or current credit problems to buy a home or to restructure their debts with a remortgage. |
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| Bad Credit Mortgages | Mortgages and remortgages can often be obtained for those with past or present credit problems, even County Court Judgements (CCJs), for the purchase or remortgage of your own home. |
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| Buy-to-Let Mortgage Advice | Buy-to-let mortgages enable you to take out a loan on one or more properties that you intend to purchase and then rent out as a business. |
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| Choosing a Mortgage | Mortgage lenders have devised many different mortgage products and there is a huge selection to choose from according to your individual requirements. |
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| Current Account Mortgage | A current account mortgage combines all your finances into one single account - your mortgage, current bank account, savings and personal loans. |
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| Endowment Mortgage | An endowment policy is one way of saving towards the future capital repayment of an interest-only mortage, using a special kind of life insurance policy. |
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| Fixed Rate Mortgage | With a fixed rate mortgage you pay an agreed rate of interest for an initial period, so you know exactly what you will be paying each month during that time. |
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| Home Loan | A 'home loan' or 'home-owner loan' is a type of loan that is available only to people who own their home (with or without a mortgage), where the property itself is used as security for the benefit of the lender. |
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| Mortgage Advice | A professional mortgage adviser can guide you through the application process and help you to choose the right mortgage product to suit your personal circumstances, now and for the future. |
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| Mortgage Calculator | Our mortgage payment calculator gives an approximate guide to the monthly payments you can expect to pay for your mortgage. |
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| Offset Mortgages | An offset mortgage allows you to link your mortgage to a savings or current account, so the amount owing on your mortgage is offset by the funds you have saved. |
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| Problem Mortgage | If you are having problems getting a mortgage, with the right help and advice a solution can often to found. Whether you are self-employed, a first time buyer or even if you have had financial difficulties such as CCJs, our panel of financial advisers can offer expert assistance. |
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| Property Loans | A property loan is a way of borrowing money against the value of your home or other property, where the property itself is offered as security for the benefit of the lender. |
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| Remortgage Advice | Many homeowners find they can save money on their monthly mortgage payments by switching to a different mortgage, either with their existing lender or another mortgage provider. |
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| Remortgages | A remortgage is a change from one mortgage to another, without selling your home. |
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| Self Certified Mortgage | So called "self-certification" or "self certified" mortgages are designed specifically for those whose income is not easily verifiable. |
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| Tracker Mortgage | With a Tracker Mortgage the interest rate you pay will normally be set at a certain fixed percentage above or below the Bank of England base rate. |
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