James Miller's Articles in Mortgage

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Getting on The Ladder: Extra Mortgage Costs Sadly, paying your monthyl repayment is not the only financial consideration you have to make when you take out a mortgage. There are many extra costs and considerations too. Here we take a look at the main ones... The Property Ladder: Mortgage Interest Rates Your aim is to pay as little interest as you can on your mortgage, so interest rates are the most important part about buying a house. You need to decide which type of interest charging you want your mortgage to be so that it best suits your circumstances. Find The True Cost Of Your Mortgage When comparing mortgages, it isnt just a case of looking at the difference in interest charging and choosing the one with the lowest rate. There is so much more you need to consider finding out the true cost of a mortgage. What Sort Of Interest Rate To Choose As well as choosing between the basic types of mortgage, there is a wealth of interest rate options too : variable rate,base rate tracker,fixed rate,discounted rates,capped rates or cashback deals. Mortgage: The Danger Of Over Stretching Your Finance Borrowing more and more money for a mortgage is getting easier, with some mortgage providers offering mortgages up to four times your salary. Switch your mortgage today Having taken out a mortgage, you are not locked into that particular loan for the full mortgage term. Lenders compete fiercely for your custom and you may be able to reduce the cost of your mortgage by switching to a new lender. Endowment Mortgages Endowment mortgages are an interest-only mortgage linked to an endowment policy, which can work either on a with-profits or a unit-linked basis. If the investment in the endowment policy grows at a reasonable rate, it is anticipated that the policy will produce enough to pay off the loan at the end of the mortgage term and even leave you a bit of extra cash as well. Get a Mortgage With Bad Credit In the old days if your credit history was less than perfect, the only mortgage you would be offered would be one with extortionate interest rates from a shady broker. Nowadays, there are more sympathetic lenders who will offer you a bad credit mortgage without charging you sky-high interest charges. And because there are more lenders out there now offering these non-standard mortgages, it has driven the interest rates on them down which is good news!

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