UK Mortgages: Your mortgaging options
Learn About Your Mortgage Options...
There are a large number of different mortgage options on the market - all suited to different lifestyles and circumstances. It can be confusing understanding all the features of the different products and knowing which one to choose.
Do you want a repayment or interest only mortgage?
What type of interest rate calculation do you want?
What other special features suit you?
If you're looking at an interest only mortgage - what type of repayment vehicle suits you?
Our consultants have many years experience and knowledge in all types of mortgages
and will help you decide which is the best option for your particular services.
Types of Mortgages Available
REPAYMENT MORTGAGE ADVICE Standard Variable Rate Mortgage A standard variable rate mortgage is where the rate can fluctuate as often as the mortgage lender feels the market dictates, this type of mortgage holds less risk with the mortgage lender and can be easily acquired without time frames or redemption restrictions. |
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INTEREST ONLY MORTGAGE ADVICE There are several types of interest mortgage, that doesnt mean that they are necessarily any better than a repayment mortgage but they certainly offer more Varity. |
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BUY TO LET MORTGAGE ADVICE |
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MORTGAGES FOR THE SELF EMPLOYED |
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ADVERSE / BAD CREDIT MORTGAGE ADVICE |
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OVERSEAS MORTGAGE ADVICE |
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FIRST TIME BUYERS MORTGAGE ADVICE |
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RE-MORTGAGING or NEW MORTGAGE |
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DISCOUNT MORTGAGES Discounted Rate Mortgage A discounted rate mortgage is exactly the same as a variable rate mortgage except the rate is discounted below the standard rate for a fixed period. One major difference between a discounted rate mortgage and a variable rate mortgage is that early redemption penalties are likely to be imposed. |
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FIXED RATE MORTGAGE ADVICE |
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TRACKER MORTGAGES |
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STEPPED MORTGAGES |
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CAPPED MORTGAGES Capped Rate Mortgage A capped rate mortgage is a combination of both a fixed rate mortgage and a standard variable rate mortgage, A capped rate mortgage can fluctuate as often as the mortgage lender feels the market dictates, but will be capped at a certain rate. A capped rate mortgage is often used by mortgage lenders to prevent loosing customers to other lenders as shown in the example of a fixed rate mortgage above, because the mortgage rate will drop when the market rate drops but will never exceed the limit set. As with the fixed rate mortgage the mortgage lender would usually impose early redemption penalties. |
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CAPPED AND COLLARED MORTGAGES |
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EQUITY RELEASED MORTGAGES |
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CASH BACK MORTGAGES Cashbacks Cashbacks arent actually a mortgage interest rate option but they are often offered with reduced rates as an enticement to encourage customers to agree the mortgage, whilst there are obvious advantages for customers moving into a new home to have cash available to help cover the expense, the rates can be slightly higher, again it depends on circumstance at the time. Whilst the mortgage might turn out to be more expensive in the long run the increase immediate cash flow could be more important under the circumstances. |
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SELF BUILD MORTGAGES |
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100% - 125% MORTGAGES |
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SELF CERTIFICATION MORTGAGES |
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COUNCIL RIGHT TO BUY MORTGAGES |
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LET TO BUY MORTGAGES |
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DEBT CONSOLIDATION MORTGAGES |
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FLEXIBLE MORTGAGES Flexible mortgage A flexible mortgage is a mortgage that can be tailored to your cash flow needs, they allow you to pay lump sums, take payment holidays, reduce your payments and increase your payments. A flexible mortgage is best suited to individuals that have do not receive a regular fixed income, such as someone who is self employed. Whilst a flexible mortgage might sound appealing it does require a good understanding of finances and a high degree of financial control. |
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ONE ACCOUNT MORTGAGES |
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SPECIALISED SERVICES : |
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So with a choice from above, coupled with the options of either -
Fixed Rate, Discount, Capped or Flexible at standard or variable rates, let newmortgagefinder guide you through the choices and processes of a new mortgage.
Click here now to find out what Newmortgagefinder can do for you
Our services are available to all uk residents in these regions...
Aberdeen, Aylesbury, Banbury, Barnsley, Basingstoke, Bath, Bedford, Belfast, Birmingham, Blackburn, Blackpool, Bolton, Bournemouth, Bradford, Brighton, Bristol, Bury, Cambridge, Cardiff, Carlisle, Chelmsford, Cheltenham, Chester, Chesterfield, Chichester, Colchester, Coventry, Crawley, Croydon, Darlington, Derby, Doncaster, Dumfries, Dundee, Dunfermline, Durham, Eastbourne, Edinburgh, Exeter, Glasgow, Gloucester, Guildford, Halifax, Harrogate, Hereford, Hove, Huddersfield, Hull, Inverness, Ipswich, Kettering, Lancaster, Leeds, Leicester, Lincoln, Liverpool, London, Loughborough, Luton, Maidstone, Manchester, Middlesbrough, Milton Keynes, Newcastle, Northampton, Norwich, Nottingham, Oldham, Oxford, Perth, Peterborough, Plymouth, Poole, Portsmouth, Preston, Reading, Salisbury, Sheffield, Shrewsbury, Slough, Southampton, Southend, St Albans, Stevenage, Stockport, Stoke-on-Trent, Sunderland, Swansea, Swindon, Taunton, Telford, Torquay, Walsall, Warrington, Watford, Weymouth, Winchester, Wolverhampton, Worcester, York.
and in these urban areas...
London, Birmingham, Glasgow, Liverpool, Sheffield, Leeds, Bristol, Manchester, Edinburgh, Leicester, KingstonuponHull, Coventry, Bradford, Cardiff, Nottingham, Stoke-on-Trent, Wolverhampton, Belfast, Plymouth, Derby, Reading, Southampton, Aberdeen, NewcastleuponTyne, Preston, Sunderland, Luton, Portsmouth, Norwich, Swansea, Bournemouth, Southend-on-Sea, Swindon, Dundee, Blackpool, Poole, Middlesbrough, Peterborough, Huddersfield, Bolton, Stockport, Ipswich, York, Brighton, Rotherham, Oxford, Gloucester, Newport, Watford, Slough, Blackburn, Basildon, SaintHelens, Northampton, Oldham, Woking-Byfleet, Chelmsford, Colchester. Also now France, Italy, South Africa, Portugal and Spain.
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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A LOAN OR ANY OTHER DEBT SECURED ON IT
Last Published Monday, 26-NOV-2007 11:12:40 BST Copywright 2002-2008 www.newmortgagefinder.co.uk
