Fine Tuning Your Mortgage

What is a mortgage term?

A mortgage term is the length of your mortgage. It shows you how long you will make monthly payments until your mortgage has been paid off.

Written by Alison
Updated over a week ago

Do I need an offer accepted before applying for a mortgage?

To get started, you don't need to have an offer accepted on a property.

Written by Sophia Guy-White
Updated over a week ago

How long will it take to apply for a mortgage?

The length of a mortgage application is dependent on a few different things.

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Written by Mari-Liis Kanter
Updated over a week ago

How much can I borrow on a new build property?

Find out our criteria and loan to value’s (LTV) on new builds, and see how much we can potentially lend you.

Written by Alison
Updated over a week ago

Can I get a 95% LTV (loan to value) mortgage?

Find out our criteria for 95% LTV mortgages, and see if you are eligible.

Written by Alison
Updated over a week ago

What is a Standard Variable Rate?

Lenders set their own SVR and this can go up or down at any time. Whereas, a fixed rate stays the same for a fixed period.

Written by Sophia Guy-White
Updated over a week ago

How can I pay less interest?

There are three ways to pay less interest: bigger deposit, shorter mortgage term and making overpayments.

Written by Sophia Guy-White
Updated over a week ago

What is LTV in a Mortgage?

What is LTV? Loan to value (LTV) is the size of your mortgage as a percentage of the property value. Work out LTV & your mortgage options.

Written by Sophia Guy-White
Updated over a week ago

What is an interest rate?

When looking at mortgage rates, you’ll see: initial rate, standard variable rate, and annual percentage rate of charge- what do these mean?

Written by Sophia Guy-White
Updated over a week ago

What is a mortgage product fee?

A mortgage product fee is an upfront cost that is required for particular mortgage products.

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Written by Mari-Liis Kanter
Updated over a week ago

What happens in an advice call?

An advice call is where you receive tailored mortgage advice from a qualified mortgage advisor.

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Written by Mari-Liis Kanter
Updated over a week ago

What is a mortgage illustration?

Also known as an ESIS

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Written by Stephanie Roshier
Updated over a week ago

What is a mortgage offer & mortgage offer pack?

What is a mortgage offer? It's confirmation that your application has been approved. Our mortgage offer pack has all you need! Learn more.

Written by Sophia Guy-White
Updated over a week ago

What are offer conditions and what do they mean for me?

An offer condition is something that must be complied with in order for the lender to release the mortgage funds.

Written by Millie
Updated over a week ago