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• Mortgages UK
  Mortgages UK - This website is written and maintained by a fully qualified working UK Mortgage Broker with over 10 years experience in the UK Mortgage Market
  
  
• online mortgage enquiry
  Online Mortgage Enquiry - Complete the form below if you'd like me to assist with your mortgage. This form is encrypted, meaning that your information is secure.
  
  
• Glossary of mortgage terms
  Glossary of Mortgage Terms - Like most industries, the mortgage lending business, has it's own jargon and abbreviations. Most of them are listed below. Rather than list them alphabetically, they are are grouped together according to relevance
  
  
• types of mortgage
  Types of Mortgage - It used to be simple, there was only one type of mortgage - a 25 year mortgage at the Building Societies' Standard Variable Rate.
  
  
  • fixed rate mortgages
    Fixed rate mortgages - The main advantage of a fixed rate mortgage is, as the name suggests, known certainty of mortgage payment.
    
    
  • standard variable rate mortgage
    Standard variable rate mortgage - The Standard Variable Rate (SVR) Mortgage refers to the rate that applies, in the abscence of any preferential rate for the borrower.
    
    
  • capped rate mortgages
    Capped Rate Mortgages - What if then, a mortgage could be designed, so that your payments never increased, even if mortgage rates did, yet reduced, if mortgage rates fell.
    
    
  • base rate tracker mortgage
    Base Rate Tracker Mortgage - Track the bank of England Base Rate, plus or minus, a stated percentage.
    
    
  • discounted mortgages
    Discounted Mortgages - One of the simplest of schemes to understand. The lender offers a discount off their standard variable rate for a given period of time.
    
    
  • buy to let mortgage
    Buy to Let Mortgages - Buy to Let - The advantages The attraction of owning rental properties is obvious. You own, albeit with a mortgage, a tangible asset You collect rental income
    
    
  • let to buy mortgage
    Let To Buy Mortgage - Once a specialist mortgage for people who wanted to retain their existing residential property for rental, whilst at the same time purchasing a new property to live in.
    
    
  • remortgage quotes UK
    Remortgage Quotes UK - A remortgage is the process of paying off the loan provided by your existing mortgage lender, and subsituting it with a loan from another lender.
    
    
  • self certification mortgages
    Self Certification Mortgages - The self employed and those who run small Limited Companies (generally treated as self employed by lenders) had traditionally had a hard time obtaining a mortgage.
    
    
  • adverse credit mortgages
    Adverse Credit Mortgages - Mortgage applicants who have had previous adverse credit present greater risk to mortgage lenders.
    
    
  • first time buyer mortgages
    First Time Buyer Mortgages - First time buyers no longer receive preferential treatment from mortgage lenders.
    
    
  • interest only mortgages
    An interest only mortgage means that the loan has been set up on the basis that you are only obliged to make interest payments on the loan, without repaying any capital.
    
    
  • repayment mortgages
    Repayment mortgages are the "traditional" type of mortgage. Each monthly payment that you make to the mortgage lender covers the interest charged, and also repays some of the capital borrowed.
    
    
  • cashback mortgages
    Cashback Mortgages - Initially, the purpose of the cashback was to enable the buyers - usually first time buyers, to furnish the property and make improvements. Very quickly buyers realised the possibility of using the cashback as a deposit
    
    
  • 125% mortgages
    125% Mortgages - Not very long ago, obtaining a 100% mortgage was tricky. What's more, the fees were punititive.
    
    
• mortgage fees
  UK Mortgage Fees - UK Mortgage Lenders charge a varity of fees, on application, completion, and redemption
  
  
  • valuation fee
    Valuation Fee - You will usually be offered a choice between three types of valuation - Mortgage Valuation, Homebuyers Valuation, Full Structural Survey
    
    
  • higher loan to value fee
    Higher Loan to Value Fee - The higher loan to value fee, used to commonly be called a "mortgage indemnity guarantee premium".
    
    
  • redemption penalty
    Redemption penalty - Once upon a time, there was no such thing as a redemption penalty. Borrowers stayed with the same mortgage lender for life, happily paying the lenders Standard Variable Rate.
    
    
  • other mortgage fees
    Other Mortgage Fees - Mortgage lenders levy a variety of other mortgage fees, on application, completion, during the mortgage term, and on redemption.
    
    
• mortgage conveyancing
  Mortgage Conveyancing is the term used to describe the process of transferring the ownership (or title) of the property, from one person to another.
  
  
  • stamp duty
    Stamp Duty - In 1997 Stamp Duty raised £2.5bn for the governments coffers, currently, that's running at something like £9bn per year.
    
    
• what a mortgage lender looks for
  What a Mortgage Lender looks for - Mortgage Lenders are interested in only three things about your mortgage application.
  
  
  • mortgage decision in principle
    Mortgage Decision in Principle - A decision in principle certificate will be offered by a lender who a) offers the service, and b) has credit checked, credit scored,
    
    
• the mortgage process explained
  The Mortgage Process Explained - Perhaps this page should be called "the house buying process explained - of which the mortgage process is a significant part"
  
  
• mortgage problems
  Mortgage Problems can be divided into three distinct areas Problems obtaining a mortgage Problems during the mortgage process Problems encountered during the mortgage term
  
  
• credit scoring
  Credit Scoring - What is Credit Scoring ? The majority of UK Mortgage Lenders now use credit scoring to decide whether to accept a mortgage application
  
  
• How to choose your uk mortgage
  How to choose your UK Mortgage or Re-Mortgage - There are over 4,500 mortgage schemes to choose from, offered by over 200 lenders
  
  
• Mortgage insurances
  
  
• legal stuff
  IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON YOUR PROPERTY, IT MAY BE REPOSSESSED.
  
  
• mortgage income multiples
  Mortgage Income Multiples - Income multiples are a simple way for a mortgage lender, and you, to calculate how much can be borrowed.
  
  
• how to buy a house
  How to Buy a House - Buying property is one of the largest and most significant financial transactions that we ever undertake.
  
  
• mortgage blog
  UK Mortgage Blog - If you'd like to keep up to date with current events in the mortgage market, read my thoughts on various mortgage related topics, and add your own comments, please visit my uk mortgage blog