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You’ve probably already heard a lot about them, maybe you’ve even already got one. But for those who don’t know, a mortgage is a type of loan, one that’s used exclusively to buy land or property. Taking out a mortgage means you’ll borrow money from a lender, usually a bank or building society, and repay them over an agreed period.
Mortgages allow you to get on with owning your own house or flat, something many people see as a big financial goal. However, you should always think carefully before committing to a mortgage deal, as failing to keep up with your repayments could result in losing your home.
Remember, the amount a lender is willing to offer you is based on several factors, including your income, credit score, and any other debts you have.
Whether you’re interested in remortgaging or you want to get your foot on the property ladder for the first time, there are multiple mortgage deals available from a range of lenders.
One of our partners could source a deal that suits you.
Your monthly payment will be: £0.00
Total you'll repay over the term: £0.00
This is made up of:
Make sure you can afford it!
For example, if your interest rate goes up by 3%, your payment will be: £0.00
This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender or credit broker before taking out a loan.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
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With a fixed-rate mortgage, the interest rate stays the same for a set period. This can be good for those who want predictability in their monthly payments and want to avoid fluctuations in their payments.
A variable-rate mortgage is the opposite of a fixed-rate one, whereby the amount you pay each month can change depending on changes in the interest rate. This can be beneficial if the interest rate goes down, but can also mean your payments can go up unpredictably.
An interest-only mortgage is a type of mortgage where you only pay the interest on the amount you borrowed each month, not the capital itself. The amount you borrowed remains the same until the mortgage term ends, at which point, you’ll need to pay back the full amount.
Whether you’re interested in remortgaging or you want to get your foot on the property ladder for the first time, there are multiple mortgage deals available from a range of lenders.
One of our partners could source a deal that suits you.
The size of the deposit you require will mainly depend on the value of the property you’re buying. If you’re buying a home, you’ll usually need around 5% to 10% of the property’s price as a deposit. So, for example, a £150,000 house would typically require a £15,000 deposit.Â
This is a minimum requirement and, if you wanted to put a larger deposit down to lower your loan-to-value ratio, it would make your repayments cheaper as you’d need to borrow less money. Things like this are usually discussed with a mortgage advisor, who is well-placed to offer you advice.
We are Consumer Experts and we are dedicated to helping people across the UK compare and save on a range of essential services. We do this by working with industry leaders to provide you with quotes tailored to you and your unique needs.
By using your personal details, we’re able to ensure that the offer you get suits you. Your own needs are different to those of someone else, and we believe in getting you not just a deal, but one that meets your needs.
*Our application form doesn’t impact your credit score. A full application directly with a provider may result in a hard credit check, which could affect your credit score. We recommend reviewing the provider’s terms carefully before submitting an application.
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