You'll find everything you need to make confident mortgage decisions right here, with expert guidance covering every aspect from first-time buying to remortgaging. Our comprehensive resources help you navigate mortgage types, costs, and processes with clear, jargon-free advice tailored to your unique situation. About Mortgaging is here to help.
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Borrowing More Than the Property Value
Mortgages above 100% LTV let you borrow more than your property's worth, which can cover upfront costs but leaves you in negative equity from day one.
Mortgage Reference Checks
Lenders ask for employment and landlord references to verify you're reliable before approving your mortgage application.
Decision in Principle and the Mortgage Offer
A decision in principle isn't a guarantee—here's what can go wrong and how it differs from a mortgage offer.
Remortgage Savings Calculator (Free Tool)
See whether switching your mortgage could save you money: compare your current rate against a new deal to find your monthly saving, after any early repayment charge.
Why Are Lenders No Longer Allowing Interest-Only Mortgages?
Lenders are cutting back on interest-only mortgages because borrowers often lack plans to repay the capital when the loan ends.
In Mortgage Arrears: What Can I Do?
If you're behind on mortgage payments, contact your lender immediately to discuss payment plans, reduced rates, or other options to avoid repossession.
In Negative Equity: Can I Move?
Being in negative equity makes it hard to move or remortgage, but some lenders now offer schemes to help mortgage prisoners get out.
Mortgage Fraud: The Facts
Mortgage fraud increased significantly after the 2008 boom, with criminals using new tactics to submit false applications worth billions annually.
What Is Equity Release Is Being Used For?
People in later life are using equity release to pay for home improvements, holidays, debts and to boost their income when pensions fall short.
My Mortgage Was Sold: Case Study
When your mortgage gets sold to a new lender, here's what actually happens and why you shouldn't worry.
FAQ: How to Get the Best Deal?
Get the best mortgage deal by shopping around with brokers, banks, and online comparison sites to find rates that match your needs.
FAQ: The Value of Your Home
A surveyor determines your home's value by checking the local market, property condition, and potential improvements, not your own estimate.
Questionnaire: Should I Get a Linked Mortgage?
Work through these questions to figure out if a linked mortgage makes financial sense for your situation.
What to Do if Mortgage Lender Miscalculates Payments
If your mortgage lender miscalculates your payments, contact them first with a written complaint before escalating to the Financial Ombudsman Service.