Remortgage or Product Transfer: Your Options When a Deal Ends
Compare a product transfer with your current lender against remortgaging elsewhere: checks, fees, legal work, timing and what the standard variable rate means.
-
-
Deposits and Loan-to-Value: How Your Deposit Shapes Your Mortgage
How loan-to-value works, why mortgage pricing changes at certain LTV levels, where deposits can come from and the risk of negative equity with a small deposit.
-
Mortgage Agreement in Principle: What It Tells You and What It Doesn’t
What a mortgage agreement in principle is, how it differs from a full mortgage offer, soft and hard credit searches, and how long one usually lasts.
-
How Lenders Work Out How Much You Can Borrow for a Mortgage
What UK mortgage lenders look at when they assess affordability: income, regular spending, credit history, loan-to-income limits and stress testing.
-
Fixed, Tracker or Variable: How Mortgage Rate Types Compare
How fixed-rate, tracker, discount and standard variable rate mortgages work in the UK, what each means for your payments and the cost of leaving early.
