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Credit will be secured by a mortgage on your property. 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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The term of your mortgage is how long it will take you to repay the value of your mortgage, plus interest.
Mortgages are often taken out for long terms - around 20 to 30 years. The longer the term, the more you can spread out your mortgage costs. So for example, if your property is worth £100,000, paying over 20 years will have you to contributing £416.67 per month, plus interest, towards your mortgage. Increasing that to 30 years lowers your payment per month to £277.78, plus interest.
Your mortgage provider will charge interest on your mortgage. Often this rate is higher if your have a longer mortgage term (30-40 years), than if you have a shorter mortgage term (20-29 years).
LTV stands for loan to value. It is the amount of money you need to borrow as a percentage of the value of the property you wish to buy. For example, if the value of your new property is £100,000 and you have £20,000 saved for a deposit, you will need to borrow the remaining £80,000. So, your required LTV is 80% (80,000 is 80% of £100,000).
At present, the usual limit on LTV is 90%. Yet there are certain schemes available for people looking for 95% of 100% mortgages.
Typically, higher LTV means higher interest rate since it represent more risk to the lender. As such, rates for first time buyers will tend to be higher than rates for existing homeowners looking to remortgage.
In an interest-only mortgage, you only have to pay the interest back to your lender each month. You don't pay off the capital (IE the actual value of the property) until the end of your mortgage term. As such, you will need to be prepared to pay back the capital in full at the end of the term.
Taking out an interest-only mortgage will also mean you to pay more interest in the long run. Because you are not paying off any your capital, you are always paying the same amount of interest on the entire sum borrowed. This is different from normal repayment mortgages where you will be paying interest on a smaller amount each month as you mortgage decreases.
A mortgage broker is third party who will negotiate the best mortgage deals for you, as well as offer mortgage advice, for a fee. For more information about mortgage brokers, read our Mortgage Broker Guide.
80% LTV Mortgages
85% LTV Mortgages
90% LTV Mortgages
95% LTV Mortgages
100% LTV Mortgages
How much will I pay monthly?Work out how much your monthly mortgage repayments will be.
How much do I need to borrow?Work out how much money in total you will need to borrow in order to get a mortgage.
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