Purchasing a home for the first time or moving from one property to another can be one of the most stressful events in life. Buying a home is the biggest investment most people will make in their lifetime and the value of independent mortgage advice can be priceless when it comes to finding the right type of mortgage for you…

There are two ways of structuring your mortgage: capital and interest (commonly known as repayment); and interest only. Whichever you choose, you should always remember that your home may be repossessed if you do not keep up the payments on your mortgage…

There are many choices of interest rate. They include flexible mortgages, base rate trackers, fixed rate mortgages as well as foreign currency mortgages. Please note that’s changes in the exchange rate may increase the sterling equivalent of the foreign currency mortgage debt…

To produce a clear overview of the home buying process, we have provided a step by step guide to how the mortgage process works and what exactly a mortgage is…

A lender requires a valuation to determine the true market value of a property and that it offers acceptable security. Despite you having to pay for the valuation, it is carried out on behalf of the lender. Sometimes the valuation is free or refunded at a later date…

In simple terms, remortgaging involves switching your mortgage from your existing lender to a new one. Homeowners take this step for various reasons, such as refinancing an existing loan to raise additional capital, or to obtain a better rate on the existing loan…

You might be required to pay a fee to the lender if you were to partially repay or repay the loan in full within a certain period of time (usually the period of the promotional rate)….