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Mortgage Guide

We have divided our mortgage guide into the following sections. Click on the title of each for in-depth information.

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This link opens in a new window Interest-only
With interest only mortgages only the interest is actually paid off with each mortgage payment. But you do also need to have a 'repayment vehicle' in place to satisfy the lender that you can pay off the capital.

This link opens in a new window Repayment Mortgages
Here the monthly repayments consist of repaying the capital amount borrowed as well as the accrued interest. Read about the advantages and disadvantages of this type of mortgage.

This link opens in a new window Remortgages
Replace your existing mortgage with a new one. You can take out a mortgage at a lower interest rate thus reducing your monthly mortgage or loan payments. This is the most popular reason for remortgaging.

This link opens in a new window Buy-to-let Mortgages
As the housing market continues to inch ahead, so does the popularity of property as an investment. But if you're buying to let, it pays to do your sums beforehand.

This link opens in a new window Flexible Mortgages
Flexible Mortgages are unlike the traditional UK mortgage model. A flexible mortgage is adaptable to fit your circumstances. You can overpay, borrow back overpayments, underpay, offset against current accounts and take payment breaks.

Mortgage Frequently Asked Questions;

Common questions about applying for a mortgage in the UK