Before you choose a specific deal, you need to decide what type of mortgage is the most appropriate for your needs.
Mortgages
A mortgage is likely to be the single largest financial commitment you ever make. There's a wide range of mortgage products out there, with varying interest rates and repayment options available.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
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.
Remortgaging means switching your mortgage to another deal with another lender without moving property.
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.
Equity release can help people release cash (equity) in their homes for a particular purpose, like supplementing retirement income.
With options for overpayment and payment ‘holidays’, a flexible mortgage can make the traditional 25-year British mortgage look rather old-fashioned.
An offset mortgage enables you to use your savings to reduce your mortgage balance and the interest you pay on it.
These are mortgages suited to people building a new home. With a self build mortgage, money is released in stages as the build progresses.
Second charge loans can be secured against residential or Buy to Let properties.
A bridging loan is taken out to ‘bridge’ the gap between the purchase of a new property and the sale of an existing one.
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