Mortgage

3417 Articles total.
Mortgage

On Feb 25, 2015 0 104 52

A mortgage is a practice by which the ownership of the property is passed from the mortgagor, to the mortgagee, in return for the loan of the money, the mortgagee is the lender and the mortgagor is the borrower...

Mortgages

On Feb 25, 2015 0 104 52

Canadian mortgages have some quite subtle differences from the UK system so I have no doubt they will be fairly new to most nationalities. Whichever type of home you buy, the chances are you will need a mortgage...

Mortgages. Big Changes In The Buying And Selling Of Houses.

On Feb 25, 2015 0 104 52

On June 1 st 2007, the law concerning the buying and selling of houses changes. From that date onwards everyone who wants to sell a house has firstly to prepare a Home Information Pack (HIP). And if you don't? You're in the frame for a £200 fine! It's also probable that estate agents will also insist on you having the Pack ready by the time they put your home on the market...

Mortgages. Exit Fees To Be Capped.

On Feb 25, 2015 0 104 52

In the last 3 to 5 years we have seen rises of up to 450% in the exit fees charged by lenders when borrowers redeem their mortgage. But at last the Financial Services Authority (FSA) ha seen the light and is going to crackdown on these increases...

Mortgages. First-Time Buyers Let Down By The Governments Homebuy Scheme.

On Feb 25, 2015 0 104 52

Late last year, accompanied by the usual razzmatazz, Gordon Brown announced the Governments new “Open Market Homebuy†mortgage scheme for first-time buyers. Under the Homebuy scheme, first time buyers take out a mortgage for 75% of a home's value with no deposit and the Government and the mortgage lender will in practice buy the remaining 25% of the property...

Mortgages. Higher Lending Charges Are Outrageous.

On Feb 25, 2015 0 104 52

After you scraped together a modest deposit for your new home you may think you're home and dry. Think again. On top of there's the surveyors and solicitors to pay. Then the government want a slice. You've got to pay stamp duty at 1% of the property's price (if the house costs more than £250,000 the rate of stamp duty increases – see the information at the foot of this article)...

Mortgages. Short Term Advice

On Feb 25, 2015 0 104 52

There are some new types of home loans coming onto the market which are being advertised at present. Several of the mortgage companies are offering variation of them and they are being marketed as “lifetime†loans...

Mortgages. The Pitfall Of Interest Only Mortgages.

On Feb 25, 2015 0 104 52

In the first three months of 2002, just 9% of all new mortgages were taken as interest only - but by the last quarter of 2005, the figure had risen to 23%. And amongst first time buyers, the figures rose from 6% to 15%...

Mortgages. The Return Of The Mega-Mortgage.

On Feb 25, 2015 0 104 52

With the housing market is now showing marked signs of recovery, especially in the South and London, the number of homeowners mortgaging for more than £500,00 is increasing. (Also see Latest Market Facts at the end of this article...



Mortgages. Why Interest Only Can Be A Risky Option

On Feb 25, 2015 0 104 52

The Council of Mortgage Lenders†figures are showing a growing trend in interest only mortgages. From January to March 2002, 9% of new mortgages were interest only. Now take the period from October to December 2005, and the amount of new interest only mortgages has risen to 23%...

Mortgages - Don†t Get Pounded By Prepayment Penalties

On Feb 25, 2015 0 104 52

Many people make a major mistake when applying for a mortgage. They are so relieved to get the loan that they fail to pay attention to prepayment penalties in the loan documents. Prepayment Penalties With the refinance craze of the last few years, many borrowers have been surprised to find they are locked into their loan with prepayment penalties...

Mortgages - Types Of Interest Rate

On Feb 25, 2015 0 104 52

Types of Interest Rate You have researched into all the different mortgage types and found a suitable one for you. Now is time to look into what type of interest rate you wish to pay. The type of interest you wish to pay will depend on your circumstances and how much you are willing to pay out every month...

Mortgages And Home Financial Planning

On Feb 25, 2015 0 104 52

Buying a property is likely to be the largest purchase you ever make – finding the right deal for you means choosing one mortgage from the many hundreds available. This will be much easier if you know what you†re looking for...

Mortgages And Interest Rates

On Feb 25, 2015 0 104 52

Interest rates can affect the type of mortgage you choose and dictate when it†s wise to make a change. Here are a few of the factors that can be affected by a swing in interest rates: Choosing a mortgage When interest rates are rising, a fixed-rate mortgage is usually a good choice, since it locks in the current rate and protects you from the higher rates to come...

Mortgages: encouraging stronger personal economic growth

On Feb 25, 2015 0 104 52

Monetary policy of every individual works though different channels. Financial conditions are fluctuating always making way for loopholes in your particular economy. Being a homeowner equips you with the ability to take on mortgages for sustained economic expansion...

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