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You don’t have to figure it all out by yourself. Not only do we find you the best mortgage deal for your situation, we explain the different mortgage options available to you and assist you at every stage of your home buying journey.

So why miss out on a better deal, simply chat with one of our advisors and get straight to outstanding mortgages, including exclusive rates, not available on the high street.

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What is a mortgage?

A mortgage is a way of borrowing money (a type of loan) to buy or refinance a property. These loans are generally repaid over relatively long periods, often 25 years or more, to spread out the large cost of buying a home.

– Mortgages are generally available from banks and other financial institutions, known as ‘lenders’. These lenders charge ‘interest’ and sometimes other fees, on top of the amount borrowed.

– The lender will also secure or guarantee the repayment of the loan, interest and fees by placing a ‘charge’ or ‘security’ on the title to property. This would allow the lender to sell the property in the event that the mortgage cannot be repaid

What does remortgaging mean?

Remortgaging is the process of moving your mortgage to another lender. You would enter into a new mortgage contract with the new lender. Many people choose to do this at the end of a mortgage deal.

Mortgages often have an introductory interest rate for the first 2-5 years, which then expires, and then your mortgage would move to the ‘Standard Variable Rate’.

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How do mortgage payments work?

After your mortgage is drawndown with a lender, you will be provided with a breakdown of how much the monthly payments will be. This will stay the same after the first payment for a fixed period of time for a fixed rate mortgage or will vary as base rate changes if you have a tracker mortgage. Once the initial fixed or variable rate ends, you will move onto a Standard Variable Rate unless you move to a new fixed or tracker rate mortgage.

How long will I have to pay off a mortgage?

When you take out a mortgage, you will agree a mortgage term with your lender. This is the period of time between drawdown of the mortgage and expiry of the mortgage terms, when the capital must be repaid. 

If you have taken out a repayment mortgage (most mortgages are repayment mortgages), the capital will be paid back to the lender by the end of the mortgage term (assuming you keep your payments up to date during the term of the mortgage).

If the mortgage is an interest-only mortgage, your monthly payments only cover the interest on the amount you borrowed, meaning you pay the full amount back at the end of the mortgage term in one lump sum.

It’s important to consider the mortgage term carefully. A longer mortgage term may be more affordable on a monthly basis (as you’re spreading the cost across a longer period, your monthly payment is lower), but this would also mean the total cost of your mortgage is greater, as you would pay additional interest.

Do I need a good credit score to get a mortgage?

A mortgage lender will assess your credit score as part of your mortgage application. A good credit score could have a positive impact on the likelihood of an application being accepted (subject to satisfying all other criteria). A poorer score doesn’t necessarily mean you won’t be able to get a mortgage.

Mortgage Repayment Calculator

Here you’ll find our free and easy mortgage repayment calculator which uses your interest rate, mortgage term and loan amount to work out how much your monthly mortgage repayments could be.

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