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Home Mortgages : Call 0800 917 3324
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Initial
Rate &
Period |
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Rate
Thereafter |
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Overall
Cost for
Comparison |
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Early
Repayment
Charges |
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Fees
Payable |
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LTV |
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Other
Features/
Conditions |
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5.69%
for 2 years |
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Bank Base +
0.69%, currently 7.09% |
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7.1% APR |
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See Details |
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Arrangement
Fee £1849 |
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60% |
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5.79%
for 2 years |
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Bank
Base + 0.79%, currently 7.09% |
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7.1%
APR |
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See
Details |
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Arrangement
Fee £1849 |
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75% |
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| 5.99% for 3 years |
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Bank Base +
0.99%, currently 7.00% |
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7.1% APR |
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See Details |
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Arrangement
Fee £999 |
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60% |
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6.09%
for 2 years |
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Bank Base +
0.99% currently 7.06% |
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7.2%
APR |
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See Details |
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Arrangement
Fee 1349 |
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75% |
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6.09%
for 5 years |
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currently
7.00% |
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6.8% APR |
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See Details |
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Arrangement
Fee £999 |
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75% |
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Discount Mortgages
Everyone loves a discount – and it’s no different when we shop around for a mortgage.
Discount mortgages are a huge part of the home loan market and the best offer rock bottom rates for borrowers. Switching from a standard mortgage to a good discount deal can literally knock hundreds of pounds off your monthly repayments. Use the savings wisely and you can then clear your mortgage years ahead of your original schedule. The only problem can be finding the best discount deals in an increasingly crowded – and confusing – market.
So here’s all you need to know about discount mortgages. Follow our six steps and you’ll know if a discount is right for you and how to find the best deals in an increasingly crowded market.
Neil Simpson is a former Personal Finance Journalist of the Year and writes regularly on property, mortgage and insurance issues for the Mail on Sunday and many other publications.
Points to Check for Vendors
Before advertising the property it is as well to research equal properties in the area for a guide on prices. Choose a month when sales are better not for example during July and August or November and December.
Having decided to sell the property make sure doors, drawers and windows all close properly. Do any repairs or ‘finishing off’ that maybe required inside and outside the property.
When ready, ask friends whom they consider to be good estate agents or check for sale boards for the one with the most sold signs. Get more than one valuation and choose the most likely true valuation rather than just go for the highest. This maybe a ruse to get vendors on their books and if it does not create interest will ask for the price to be lowered having just wasted time
Check the description of the property before it is advertised.
Next, unclutter the property i.e. move surplus furniture into storage (not the garage) and cut down on ornaments. Make sure the kitchen and bathroom are clean and tidy.
All this done, when showing people round brighten the room with fresh flowers and remember to say what will be left (if anything) such as appliances or carpets.
12% Rise in Gross Lending
At £21.3bn new figures show that gross mortgage lending was up 12% from last year.
The figures show a higher level of remortgaging in the month. Average loan approvals for house buying was £156,900 this was 13% higher than the previous year.
182,950 mortgages across the board were approved during the month of July. It seems that borrowers were fixing mortgage costs or changing products.
Trends are stable, partly because it is the holiday season and these are expected to remain stable for another month or two.
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