Mortgages

Not only do you need to consider which mortgage is most suitable for your current needs and circumstances, 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.



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Adverse Credit Mortgages

Adverse Credit Mortgages

Sometimes people get into debt through no fault of their own and, even if they have been to blame, want to sort things out. Fortunately, there are now some lenders willing to provide adverse credit mortgages and this short guide will help you understand what to expect.

Remortgages

Remortgages

Remortgaging means switching your mortgage to another deal with another lender without moving property.

Self Build Mortgages

Self Build Mortgages

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.

Buy to Let Mortgages

Buy to Let Mortgages

These types of mortgages are designed for property investors and private landlords, who do not intend to live in the purchased property but will let property to tenants.

Offset Mortgages

Offset Mortgages

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.

Equity Release Schemes

Equity Release Schemes

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.

First Time Buyers

First Time Buyers

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.

Flexible Mortgages

Flexible Mortgages

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.

Personal Finance

Britain's SSE will cut energy bills for customers on its standard tariff from Oct. 1, with prices falling 6% in line with regulator Ofgem's price cap, the company said on Wednesday.
Major British employers gave average pay rises of 2.6% to staff in the three months to July, the highest pace of increase in more than 10 years, data from industry consultants XpertHR showed on Thursday.
Britain's drifting property market would probably take a hit from a disorderly Brexit, with average prices slipping about 3% nationally in the ensuing six months and as much as 10% in London, a Reuters poll of housing experts found.
Britain's inflation rate unexpectedly overshot the Bank of England's 2% target on Wednesday, raising the cost of living even before sterling's slide has had much chance to feed into consumer prices.
Britain's labour market showed unexpected strength in the second quarter but economists said this could prove a high water mark, after figures last week showed the economy contracted as businesses braced for a potentially disruptive Brexit.