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How much can I borrow for a mortgage?
Lenders take a number of factors into account when they work out how much you can borrow for a mortgage.
What happens when my mortgage deal ends?
When your mortgage deal ends you have a few options.
How to use a mortgage calculator
Using a mortgage calculator is a good way of finding out how much different mortgage deals might cost every month.
The remortgaging process explained
By definition, a remortgage is something for people who've already arranged at least one mortgage in the past! Nonetheless, there are a few extra points to consider when getting a remortgage.
Mortgages: what is LTV (loan-to-value)?
Mortgages: what is LTV (loan-to-value)? Click here to find out.
How easy is it to get a mortgage nowadays?
Lenders are actually reducing the interest rates on some of their mortgages - at the same time as offering more high-LTV deals. But it`s not all good news.
Mortgages - here and across the Atlantic
People often compare the housing market in the UK with that in the US. Click here for a look at some of the differences between the two, based on an analysis by the Council of Mortgage Lenders.
The base rate: past, present and future
The Bank of England has kept its base rate at 0.5% for the 26th month in a row. We`ve put together a brief analysis of the history of the base rate to see how it has changed over time. Take a look at it here.
Mortgage rates dropping as base rate looks more stable
Now that the base rate doesn`t look so likely to rise in the immediate future, there are signs of mortgage rates falling. So what`s happening - and why do analysts now expect the rate to stay put for a while?
Should I switch my mortgage?
With average mortgage rates a fair bit lower than they have been in recent years, switching your existing mortgage deal to a cheaper one could save you a lot of money.
My mortgage: should I stick with my SVR?
Remortgaging, as the CML (Council of Mortgage Lenders) recently stated, has dropped to decade-low levels - as many homeowners see `little incentive` in remortgaging when their fixed-rate period ends and they revert to the bank`s SVR (Standard Variable Rate).
Do I need a solicitor for a remortgage?
If you`re coming to the end of an existing mortgage deal - or if you think it may be worth changing your existing terms - it may be time to consider a remortgage.
Remortgaging: How to get a valuation
A remortgage is not a simple process. There are a number of stages involved, and it pays to know how things work before you start.
Could we see a `double-dip` in house prices?
By many economists` accounts, the future is looking positive for the housing market. But there is another theory: that house prices will only continue to rise for a short amount of time and may fall again. So what are the reasons behind this?
What is going to happen to the base rate and how will it affect remortgages?
In March this year, the Bank of England dropped its base rate to an unprecedented 0.5%. It was an attempt to encourage lenders to cut the cost of lending - by making it cheaper for them to get the necessary funds - and thereby give the economy a boost.
Remortgage advice: negative equity
For a homeowner, getting the right remortgage deal is important. It determines how much you will pay over the next few years, and as such it can be an opportunity to save money.
Remortgage rates
Remortgaging is an important part of being a homeowner. It is an opportunity for you to secure a better deal on your mortgage, which could boost your finances for at least the next couple of years - especially in the current climate, when rates are relatively low.
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