Remortgages and homeowner loans are both only available to homeowners as both require to be secured on an asset and in the case of remortgages and homeowner loans this asset is a residential property.
A remortgages is when a homeowner wants to move his mortgage from one mortgage lender to another…
Written by Liz Moir on December 7th, 2009 with no comments.
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A mortgage is a home loan that an individual requires if he wants to buy a property whether it is a mortgage to buy a first property or a subsequent mortgage to move house.
The majority of people in the UK require a mortgage at least once in a lifetime, but with the average homeowner moving house every few years the vast majority of people have several mortgages in the course of their lifetime and as a mortgage is the biggest financial commitment that anyone can undertake the choice of the correct mortgage is of paramount importance…
Written by Liz Moir on December 3rd, 2009 with no comments.
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Remortgages and mortgages are both types of home loans as both must be secured on the equity of a property. Equity is the difference between the value of a property and the balance of the mortgage secured on it…
Written by Liz Moir on December 3rd, 2009 with no comments.
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Living in the United Kingdom can be very expensive. Specifically, London is one of the most expensive cities in the world to live. This cost of living helps drive the loan and mortgage markets in the UK…
Written by Michael Sterios on October 20th, 2009 with no comments.
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Are you lucky enough to be registered with an NHS dentist? They’re increasingly rare now and if you’re not already registered, you could have quite a struggle to find a dentist offering NHS facilities…
Written by Michael Challiner on October 1st, 2009 with no comments.
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Finding a remortgage isn’t always easy – especially in the middle of a house price slump. Understandably cautious, most lenders are restricting their remortgage deals to people with a maximum LTV ratio of 60-80%…
Written by Melanie Taylor on January 8th, 2009 with no comments.
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Fixed rate mortgages are very straightforward. At the beginning of the mortgage agreement, the agreed interest rate is fixed and it then is applied throughout the term, or length, of the mortgage. A large proportion of fixed rate mortgages are arranged for a term of two or three years, although it’s possible to go for a longer time-span…
Written by Sheila Challiner on January 4th, 2009 with no comments.
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What would you think of a mortgage which is part of your current account and could, in part, be paid by the interest on your savings? It has certainly aroused lots of attention and the number of these mortgages has multiplied something like twenty times over a seven year period…
Written by Sheila Challiner on January 4th, 2009 with no comments.
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If you’re getting restless and feel that it’s time for a change of scene, don’t automatically think of a move. If you need a bigger house for family reasons, or it’s necessary in order to take up new employment, then that’s a different matter and it may well be that you have to get into the sales process, with all its chains, broken promises and disappointments…
Written by Sheila Challiner on January 4th, 2009 with no comments.
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When the Bank of England base rate is low, your mortgage may be cheaper than you’d expected when you took the loan out. Lots of people (around 4 out of 10 mortgagees are now using trackers), have this type of loan, tracking the Bank of England’s base rate, plus just under one per cent above it…
Written by Sheila Challiner on January 4th, 2009 with no comments.
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There are times when “everyone” seems to be talking about re-mortgaging. “Everyone” thinks it’s the thing to do and can’t imagine why you haven’t done anything about it. It’s a bit like the kids that tell you that “everyone stays up until 11 o-clock at night”…
Written by Sheila Challiner on January 4th, 2009 with no comments.
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For sometime now we have heard the rumours about credit card debts and loans being written off by their various providers. Then last week BBC One showed a Panorama television programme called “Can’t Pay, Won’t Pay” We heard Sir Roy Good an eminent Solicitor who was involved with the drawing up of the Consumer Credit Act 1974 explain the mistakes that made these finance agreement invalid and unenforceable…
Written by Mark Aucamp on January 3rd, 2009 with no comments.
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Buyers, first timers in particular, must welcome any downturn in house prices as a way to get a step on the property ladder, however modest the property. However, lenders are showing an understandably cautious approach to the amount of money they’re willing to lend on individual properties, due to the performance of the housing market in the UK…
Written by Sheila Challiner on December 17th, 2008 with no comments.
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For years the banks and loan providers have raked in high profits by selling Payment Protection Insurance to clients whilst the clients were taking out loans. The problem has been that the insurance has not always been properly explained to the client so many have found that if they claim, there’s some clause that rules their claim invalid…
Written by Sheila Challiner on December 17th, 2008 with no comments.
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