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Key Facts

 

Mortgages Guides

 

Mortgages key factors to consider
There are various key factors that you should consider before you buy your mortgage. Here’s the Moneyfacts.co.uk guide to things to consider when buying your mortgage.

Mortgage Glossary
Mortgage terms explained...

Finding your perfect mortgage match
Finding the right mortgage is much like finding the perfect partner. There are certain attributes or traits in a prospective partner or mortgage that makes compatibility more likely.

Mortgages Tips

 

Finding your perfect mortgage match
Finding the right mortgage is much like finding the perfect partner. There are certain attributes or traits in a prospective partner or mortgage that makes compatibility more likely.

Save money- pay your mortgage off early!
Let’s face it, mortgages are a daunting subject. For many they are a proverbial “ball and chain”, destined to be repaid for the next few millennia, with no discernable end to the misery of seeing your monthly pay packet decimated...

Mortgages things to watch out for
The things to watch out for with Mortgages. There are a number of important things to watch out for when comparing or buying your mortgage.

Mortgage Best Buys

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Fixed 3 Year Mortgages

RateAPR CostMortgage TypePeriodMax LTVRedemption
SORTSORTSORTSORT
Mansfield BS3.49% Reverting to 5.59%5.2%Fixed3 years75%1st 3 yrs
Product Fee: Arrangement £999
Market Harborough BS
3.69% Reverting to 5.49%5.1%Fixed31/08/201380%To 31/08/2013
Product Fee: Booking £95, Arrangement £800
ING Direct (UK)
3.89% Reverting to 3.50%3.8%Fixed30/11/201375%To 30/11/2013
Product Fee: Booking £195
Norwich & Peterborough BS3.94% Reverting to 5.35%5.1%Fixed3 years85%1st 3 yrs
Product Fee: Reservation £995
Yorkshire BS3.95% Reverting to 4.99%4.8%Fixed30/09/201375%To 30/09/2013
Product Fee: Arrangement £300, Booking £195
Yorkshire BS5.69% Reverting to 4.99%5.4%Fixed30/09/201390%To 30/09/2013
Product Fee: Booking £195, Arrangement £800
Click to compare up to 3 mortgage products.
Disclaimer:
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Written quotations are available from individual lenders. Loans are subject to status and valuation and are not available to persons under the age of 18. All rates are subject to change without notice. Please check all rates and terms with your lender or financial adviser before undertaking any borrowing.
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Fixed 3 year mortgages Explained

If you need a level of security for your monthly payments, or if you think interest rates may rise, fixed rates are worth considering. Although the rates on three year might be a little higher than two year fixed rates, the fees charged are similar.

Fixed rates are useful for planning your budget around future life events that match the term of the mortgage; for example, if you are planning to start a family, or to take time off work to study full time.

When you look at our Best Buys, you will see that we have selected products from across different loan-to-value tiers in order to give a wide overview of what is available. Use our mortgage search to access a more comprehensive list of products.
 

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Mortgage News

4 years of negative equity faced by homeowners4 years of negative equity faced by homeowners
A forecast by the National Housing Federation has predicted that homeowners will have to wait until 2014 – when average prices are set to rise to £226,900 – before they can recover what they originally paid for their home.

Variable rate mortgages won’t move overVariable rate mortgages won’t move over
The falling cost of fixed rate mortgages and forecasts of significant interest rate rises in the next few years have led experts to suggest fixed rate mortgages might be the best way forward for mortgage borrowers.

Mortgage lending increased by 5% in JulyMortgage lending increased by 5% in July
The majority of households continue to pay their mortgages in full every month, and have benefited from record low interest rates. This looks set to continue for some time yet.

Repossession estimates a dreamRepossession estimates a dream
Revised repossession estimates as announced last week by the Council of Mortgage Lenders (CML) have been labelled a ‘dream’.

Mortgage from Hanley Economic BS steals the showMortgage from Hanley Economic BS steals the show
Hanley Economic has launched a new fixed rate discounted mortgage that has stormed to the top of its class.