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Mortgages

Not only do you need to consider which mortgage is most suitable for you, you also need to think about which interest rate options are most likely to suit your needs. This section has information on the various types of mortgage product which are available.

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

The FSA do not regulate some forms of mortgage.


Remortgaging means switching your mortgage to another deal with another lender. Most people remortgage because their existing deal has ended.
People buying their first home often have specific needs when it comes to finding a mortgage. A range of mortgages exists specifically for this market sector.
These types of mortgages are designed for property investors and private landlords, who do not intend to live in the purchased property.
Sometimes people want to release equity in their homes because they need cash for a particular purpose. This short guide looks at how certain types of mortgage will allow you to do exactly this.
With an Offset Mortgage you can potentially reduce the amount of interest you pay by offsetting a credit balance against the mortgage debt. This article explains further.
The main difference between a self build mortgage and a house purchase mortgage is that with a self build mortgage money is released in stages as the build progresses rather than as a single amount. This short guide explains further.
A flexible mortgage is a product that can make the traditional British mortgage with its fixed and inflexible payment schedule over a fixed term, such as 25 years, look like a bit of a dinosaur. This short guide explains why a flexible arrangement may benefit you.
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