Mortgages - Guides - Moneyfacts

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Mortgages Guides

Why use a mortgage broker?

Updated: 07th December 2016 - First Published: 07th December 2016 An independent mortgage broker can really help you find the best deal. They do a whole lot more than simply find the cheapest mortgage. Read More...

What is a Standard Variable Rate?

Updated: 07th December 2016 - First Published: 07th December 2016 What is a Standard Variable Rate (SVR)? When will a lender raise it, when will they lower it? And what are the advantages and disadvantages of SVR mortgages? Read More...

What is a fixed rate mortgage?

Updated: 07th December 2016 - First Published: 07th December 2016 Fixed rate mortgages can seem simple at first glance, but it’s still worth brushing up on how they work, and the things to be aware of if you’re considering one. Read More...

What is a capped mortgage?

Updated: 07th December 2016 - First Published: 07th December 2016 Capped mortgages are actually a type of variable rate, but with the difference that they have an interest rate cap, beyond which your payments can’t rise. Read More...

What is a tracker mortgage?

Updated: 07th December 2016 - First Published: 07th December 2016 Tracker mortgages are a type of variable rate mortgage. They’re different because they follow (or track) another rate, usually the Bank of England Base Rate. Read More...

What is a discounted mortgage?

Updated: 07th December 2016 - First Published: 07th December 2016 Discounted mortgages offer a discount off another interest rate – normally a Standard Variable Rate. But despite the name they may not be the very best mortgage rates on offer. Read More...

Help to Buy: Equity loan

Updated: 18th October 2016 - First Published: 18th October 2016 Phase one of the Government’s Help to Buy Scheme was launched in April 2013. This part of the scheme aims to help borrowers secure a 95% loan-to-value (LTV) mortgage on a new-build property. Read More...

How to choose an estate agent

Updated: 31st August 2016 - First Published: 31st August 2016 Find out how to choose the best estate agent in this guide. We look at practical ways to shortlist, negotiate with and manage your chosen estate agents. Read More...

Mortgage valuations are not in-depth surveys

Updated: 31st August 2016 - First Published: 31st August 2016 Mortgage valuations shouldn’t be confused with a property survey. You should consider having a survey too, to avoid an expensive surprise down the line. Read More...

What is a flexible mortgage?

Updated: 10th December 2015 - First Published: 25th November 2015 Just what exactly is a flexible mortgage? It certainly doesn’t mean you can pay it when you want to! However, it does give you greater flexibility when compared to a normal mortgage - and here's how... Read More...


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