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Your Mortgage And Divorce

Getting divorced is a situation with a lot of unknowns for those involved, and if a house is under joint ownership there can be complications over who gets what, and who is left with the responsibility of the repayments


The decision to switch your mortgage provider to a different lender may seem like a good idea. There may be other deals out there that catch your eye, particularly if you have come to the end of an agreed term on your mortgage and are being transferred onto a standard variable rate (SVR) repayment plan

How To Get A Mortgage

Setting up your mortgage can be a daunting prospect, particularly for first-time buyers. There are so many things to consider, and making sure you get everything in order, and the best deal possible, can be difficult

Can I Get A Mortgage?

Whether or not you are able to get a mortgage will be dependent on you current personal financial position, as well as your financial history. As well as this there are also many different types of mortgage that will have different qualifying criteria that you will have to meet to be accepted

Mortgage Payment Holidays Uncovered

Keeping your roof over your head is probably your number one financial priority but sometimes keeping up with mortgage repayments is difficult. Maybe you have just finished...

What Is A Mortgage?

A mortgage is a simple concept, containing a few complexities designed to protect both the lender and the borrower in the arrangement. In a nutshell, a mortgage is where a lender, such as a bank or building society gives a borrower a loan to enable them to purchase a property.

How Much Can I Borrow ?

The amount that you are allowed to borrow will be dependent on a financial examination of the borrower by the lender. Lenders normally calculate how much you have left at the end of each month after you have paid out your essential bills.

The Mortgage Deposit

Mortgage lenders usually want you to pay a deposit towards your mortgage loan before they will accept your application. This 'deposit' is a percentage of the property's selling price and it's usually between 10 and 25 percent. But it can vary according to the type of mortgage you choose. However anything higher than 25 percent will be looked on kindly by a mortgage lender, and will help the borrower qualify for some of the cheapest deals on the market.

Mortgage Set Up Fees

Purchasing a home is always costly, but the prices between providers and products can vary greatly. Your mortgage adviser will give you a Key Facts Illustration (KFI) and a Key Features Document (KFD), which will summarise the contract and all the fees you must pay. These should be in an easy-to-understand format.

Different Types Of Mortgage

Choosing which type of mortgage is right for you is absolutely crucial, as getting this wrong could lead to financial disaster in the future. You need to work out how much you can afford to pay back, and when. The two main types of mortgage you will come across are the interest only mortgage and the repayment mortgage, although there is another specific type known as the endowment mortgage.

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