• 100% mortgages

    A 100% mortgage is, quite simply, a loan for 100 per cent of a property's value.

  • Adverse or Bad Credit Mortgages

    One of the main requirements a person must have before taking out a mortgage is a good credit history.

  • Buy-to-let Mortgage

    Buy-to-let mortgages are home loans for people who want to buy a property to then rent to tenants.

  • Cash Back Mortgages

    Cash Back mortgages provide borrowers with a lump sum of money when they take out a mortgage.

  • Commercial Mortgages

    Commercial mortgages are loans for the purchase of a property which is to be used for business purposes.

  • Discount Mortgages

    Every mortgage lender has a standard variable rate (SVR) – this is its very own interest rate which it sets itself.

  • Equity Release

    Equity release allows people to turn the money that is invested in their home into real cash which can be used as a regular income or as a cash lump sum.

  • First-Time Buyer Mortgages

    Another way of describing a first-time buyer mortgage is simply as a mortgage for house purchase. This is often how it is descbribed by the Council of Mortgage Lenders and other trade associations in order to distinguish it from a remortgage.

  • Fixed-Rate Mortgage

    Fixed-rate mortgages are mortgages that are offered at a "fixed-rate" of interest for a given period of time by the lender.

  • Islamic Mortgages

    Shariah law prohibits paying or receiving interest, which means taking out a mortgage is difficult for many Muslims living in the UK. There are, however, a range of mortgages which have been created to enable Muslims to pay back a loan without compromising Islamic principles.

  • Remortgaging

    A remortgage is a new home loan taken out by someone who already has a mortgage. A person who remortgages is, quite simply, changing their mortgage deal.

  • Self-build mortgages

  • Self-Certification Mortgages

    When applying for a mortgage, a borrower will be asked to provide proof of income and must supply payslips or accounts to back this up. However, some people cannot do this because they may not have a regular income and this is where Self Certification – or self cert – mortgages come in.

  • Tracker Mortgages

    Tracker mortgages trail the Bank of England's base rate. So, when a lender provides a borrower with the money to buy their home, the interest the borrower must repay each month is arranged according to the level at which the Bank of England has set the base rate.

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