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Mortgage & Refinancing Information |
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UK Mortages: A Guide Through The Maze
Types of UK Mortgages You may be wasting your money with the wrong type of mortgage. Knowledge is power. There are essentially two different types of mortgage: Repayment only, (capital and interest mortgage) Interest only, (ISA, pension or endowment mortgage) Repayment only Your monthly repayments consist of repaying the capital amount borrowed together with accrued interest. On your mortgage statement, normally received annually, you will see that the amount borrowed decreases throughout the term. Advantages At the end of the term, you are safe in the knowledge that the total amount of the debt has been repaid. Overpayments and lump sum payments into your mortgage account can be made reducing both the interest and capital amounts repayable. Life assurance cover is not always necessary in taking out this type of mortgage. Disadvantages There may be financial penalties for making lump sum/overpayments into your mortgage account. In the early years of a repayment mortgage the majority of the monthly repayment is interest rather than capital. For borrowers moving house regularly, this can result in little of the capital being paid off. If you have no life assurance cover in place and die before the loan is repaid, the mortgage will still need to be repaid. This may result in the property having to be sold to repay the debt owed. Interest only With this type of mortgage, only the interest is paid off with each mortgage payment. The borrower also takes out at the same time, an alternative 'repayment vehicle' (method of paying off the mortgage) such as an ISA, pension plan or endowment policy. More information about endowments (which in the 1980's and 1990's were extremely popular), ISAs and Pension plans are below. The most important fact about an interest only mortgage is that the monthly repayments do not repay any of the outstanding capital balance. As a consequence it is important that the payments are maintained into the repayment vehicle otherwise it will not be possible to pay off the mortgage at the end of the term. Endowment ISA Plan Pension Endowment The most common type of interest only mortgage which also provides life assurance cover and a fixed payment for investment. The fixed payments are based on the amount of the loan together with the mortgage term and are designed so that, at maturity, the amount invested and earnings are sufficient to pay off the mortgage. Much maligned in the press because of the poorer investment growth rates achieved in a low inflationary environment this form of investment is less popular these days. Note there is no guarantee that, when the endowment matures and 'pays out', the balance will be sufficient to repay the mortgage. ISA Plan The Individual Savings Account (ISA) is a tax free method of saving. Using an ISA as a repayment vehicle is growing in popularity but due to the ISAs complexity it is only for the financially sophisticated or borrowers taking advice from a suitably qualified financial adviser. Pension Plan Life assurance cover is provided and monthly payments are made into a pension fund. When the benefits are eventually taken, the mortgage is repaid using tax-free cash from the remainder of the fund. The plan holder can then draw a pension from the balance of the fund. This product, which tends to be used by the self employed, is only for those taking advice from a suitably qualified financial adviser. Discounted mortgages Most of the discounted rates offer discounts over the first one, two three, four or five years. The total amount of discount on offer tends to work out approximately the same over the period of the discount. The choice is yours between making a choice between a large discount for a short period of time, a small discount over a long period of time or something in between. For example one product may offer a 3% discount over 2 years and another a 2% discount over 3 years. The total discount you receive in either case is 6% so the choice you are faced with is what period to take the discount over. Cash back mortgages These deals vary but, as the name suggests, you get cash -as well as the money you're going to be borrow for your home. You may use it to pay for home improvements moving costs and furniture etc. Cash back deals are perhaps best seen as an incentive to go with a particular lender. It's rarely a genuine gift and you will find that you have extended ties. There is nothing free in the mortgage market the lender will eventually make more than make their money back. Current account mortgages It's becoming increasingly popular to combine a mortgage and a current (banking & cheque) account. Its good news if you like the option of making overpayments on your mortgage (e.g. if you are self-employed or receive bonus payments). The other advantage is that interest is calculated on a daily basis, so when you pay money into your account, like your monthly wage, the overall loan size is lowered, so reducing the total amount of interest paid. Base Rate Tracker Mortgage These can get very complicated but in theory they're simply a mortgage that follows the Bank of England base rate at an agreed rate. So you might have a Base Rate Tracker Mortgage which sets your mortgage at 1% above the base rate for, say, the first two years. Non standard mortgages If you have experienced financial difficulty in the past or are unable to produce full proof of your income then you may find that the main stream lenders are unable to help you. However, we would recommend that you contact these lenders first as, depending on the severity of your situation; you may find that they are willing to help. If not, however, you will find that there are lenders who specialise in this area of the market. These lenders tend to charge higher interest rates or require larger deposits. Once you have re established your credit you can change to a standard mortgage. Remortgage You don't have to move home to move your mortgage. Many homeowners move their mortgage to a different lender to save money, or switch to a different mortgage with their current lender. You may want to remortgage to Improve your home. Save money If you're paying your lender's standard variable rate (SVR), your existing lender - or another lender - may offer better rates if you move to a different mortgage. Raise money if you want to improve your home, or pay off other borrowings, you may be able to increase your mortgage rather than taking out a separate loan. Nicholas Marr Marr International is not registered under the UK financial services act to give advice regarding mortgages. Our partners specialising the different regions world wide for mortgage advice.
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Refinance rates slide for Tuesday Bankrate.com Multiple closely watched refinance rates receded today. If you're in the market for a home loan, see what that means for you. Refinance Share Edged Back Down in February as Mortgage Rates Stabilized Mortgageorb The refinance share edged back down to 34% of all loans in February, down from 35% in January and down from 43% in February 2018, Ellie Mae's Origination ... Still haven’t refinanced your mortgage? You still have an opportunity to save big Bankrate.com Mortgage rates seem to be the only thing that's affordable in today's low-inventory, high-priced housing market. This is good news for both homebuyers and ... Answers to 9 of the Most Googled Mortgage Questions NerdWallet Mortgage questions? We've got answers to help boost your confidence when exploring your options, choosing mortgage lenders and managing your home ... Refinance mortgage rates mixed for Thursday Bankrate.com Multiple benchmark refinance rates were flat today. If you're in the market for a mortgage, see how your payments might be affected. Brexit pushes mortgage rates to 13-month lows. What mortgage shoppers should do now | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports There's no such thing as a Brexit mortgage but maybe there should be, especially if you like lower mortgage rates. Rates in mid-March hit 4.31 according to ... Refinance mortgage rate advances for Tuesday Bankrate.com Refinance rates were mixed, but one key rate floated higher. See what that means for your chances of getting a better mortgage rate. LendingTree: This is how much homebuyers could've saved on their mortgages HousingWire Last week, the share of borrowers with rates under 5% grew moderately larger. According to LendingTree's Mortgage Rate Competition Index, borrowers with ... Why out-of-control bubble-era mortgages still threaten to smash major U.S. housing markets MarketWatch The 2004-07 bubble era in U.S. housing markets was a time of utter madness. Much has been written about it, but almost nothing has been said about the ... Freddie Mac Enhanced Relief Refinance (FMERR) 2019 guidelines, rates, and benefits | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports What is FMERR? The Freddie Mac Enhanced Relief Refinance – or FMERR – is for borrowers who want to refinance but have very little or no equity in their ... LendingTree: Number of mortgage borrowers receiving interest rates under 5% rises HousingWire LendingTree's latest Mortgage Rate Competition Index revealed that the number of mortgage borrowers with interest rates under 5% inched forward for the week ... Ellie Mae: Millennials' interest in mortgage refinance spikes HousingWire In January, slightly lower interest rates led to Millennial homebuyers increasing their requests to refinance their mortgages. In fact, according to Ellie Mae's latest ... Mortgage rates fall for the third week in a row The Washington Post The 30-year fixed-rate average dropped to 4.35 percent, its lowest level in more than a year. LendingTree: Fewer homebuyers received mortgage rates under 5% last week HousingWire LendingTree's latest Mortgage Rate Competition Index revealed that borrowers with interest rates under 5% reversed course, inching backwards for the week ... Paul Manafort charged with committing residential mortgage fraud — which is more common than you'd think MarketWatch Mortgage fraud risk has risen substantially in recent years as refinance activity has dried up for lenders. Refinance rates drop for Saturday Bankrate.com Several benchmark refinance rates fell today. See what that means for you if you're in the market for a mortgage. LendingTree: Pool of mortgage borrowers receiving interest rates under 5% is shrinking - HousingWire LendingTree: Pool of mortgage borrowers receiving interest rates under 5% is shrinking HousingWire LendingTree's latest Mortgage Rate Competition Index revealed that borrowers with interest rates under 5% slid further for the week ending Feb. 17, 2019. Home Sales Slump While Mortgage Apps Rise National Mortgage Professional Magazine Today's housing data news finds a seesaw ride with home sales going down, while mortgage applications are going up. Millennials use January's low mortgage rates to refinance: Ellie Mae National Mortgage News Millennial homebuyers took advantage of a winter lull in interest rates, using the opportunity to refinance their loans, according to Ellie Mae. Mortgage rates just tanked thanks to the Fed – and they could go even lower CNBC The move in mortgage rates followed Fed Chairman Jerome Powell's announcement that the central bank would end the so-called run-off of bonds from its ... New VA rules aimed at curbing predatory lending for cash-out mortgage refinances Bankrate.com An interim final rule on VA-guaranteed cash-out refinance loans was published on February 19 to protect borrowers from predatory lenders. The rule executes ... Economic downshift drops mortgage forecasts again: Fannie Mae National Mortgage News Fannie Mae estimates the average 30-year fixed-rate mortgage to hold at 4.4% through 2019 and 2020 due to the overall slowdown in the economy, according ... Important Mortgage Facts Shared By National Debt Relief Benzinga NEW YORK, March 21, 2019 /PRNewswire-PRWeb/ -- Taking out a mortgage is one of the biggest decisions any American family will undertake that is why ... Mortgage rates sink to lowest levels in more than a year The Washington Post Mortgage rates were driven down this week by weak economic data and concerns about global growth. According to the latest data released Thursday by ... Refinance rates drop off for Monday Bankrate.com Multiple key refinance rates fell today. If you haven't locked a refi yet, see how your payments might be affected. Once Considered Inferior, Automated Appraisals Are Helping Stem Default Risk Mortgage News Daily Although lacking in popularity, it appears that automated appraisals have obtained their intended results. Urban Institute (UI) researchers Laurie Goodman and ... Key mortgage rates mixed for Monday Bankrate.com Mortgage rates moved in different directions today. If you're in the market for a home loan, see how your payments might be affected. Mortgage Applications Increase in March World Property Journal According to the Mortgage Bankers Association's latest Weekly Mortgage Applications Survey for the week ending March 8, 2019, mortgage applications ... Loan interest rates now: Who benefits as they drift lower CBS News So much for those worries about rising interest rates. Just a few months ago, rising rates were bearing down on everyone from homebuyers to stock investors ... 7 charts showing where mortgage lending is headed in 2019 National Mortgage News From FICOs to purchase volume, here's a look at seven mortgage lending trends that will shape the housing market this year. LendingTree: Homebuyers save big by shopping around for lower mortgage rates HousingWire LendingTree's latest Mortgage Rate Competition Index revealed that borrowers with interest rates under 5% inched forward for the week ending Mar. 5, 2019. Mortgage rates increase for Friday Bankrate.com Multiple benchmark mortgage rates floated higher today. If you're shopping for a home loan, see what that means for you. TRANSACTIONS: CV Capital Funding refinances mixed-used portfolio Real Estate Weekly Roundup of this week's middle market loans features Arbor Realty Trust, Meridian Capital, Eastern Union Funding, GCP, Houlihan Parnes and CV Capital ... Refinance rates advance for Monday Bankrate.com Several benchmark refinance rates moved higher today. See what that means for you if you're in the market for a home loan. More inventory, lower mortgage rates as 2019 homebuying season tilts toward buyers Bankrate.com Spring is here, which means peak homebuying season is right around the corner. Although it varies from place to place, generally most people start shopping for ... Defying Mortgage Delinquency Trends DSNews.com While mortgage delinquencies continue to drop, February appears to have been an outlier. What made February's delinquencies climb? Mortgage rates fall for Monday Bankrate.com Several key mortgage rates slid lower today. The average for a 30-year fixed-rate mortgage decreased, but the average rate on a 15-year fixed were higher. Am I accidentally committing mortgage fraud? | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports You're not a criminal. You just want to buy a home with a mortgage. But you could accidentally commit mortgage fraud unless you avoid these mistakes. Homebuyers Get a Spring in Their Step The MReport Here are the mortgage trends that are likely to see more homebuyers locking in their property this spring season, according to an analysis. Democrats roll out college debt relief plant Sunbury Daily Item HARRISBURG — Senate Democrats on Wednesday rolled out a plan to help roughly 28000 Pennsylvanians with high-interest student loans, Report: Homeowners gained nearly $10K in home equity last year | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports Home price growth might be slowing, but homeowners are still gaining serious equity in their properties, According to new data, the average homeowner saw ... New rapid mortgages allow closings in as few as 8 days Bankrate.com Some lenders are drastically cutting closing times which, they say, provides an edge in competitive markets. Loandepot is offering what may be the fastest ... Mortgage refinancing spree becomes a race against the clock Bankrate.com Some 2.43 million homeowners can reduce their mortgage interest rate by refinancing, according to a recent mortgage report by Black Knight, a mortgage data ... Refinance Your Mortgage Quickly: Prequalify in Just 3 Minutes Credible News Let us do the heavy lifting for you. Compare rates from multiple lenders with no impact to your credit score. Refinance your mortgage with peace of mind. Mortgage refinance applications hit 18-year low CNBC Mortgage refinance applications hit an 18-year low. With no major move in interest rates and continued weakness in home affordability, there was not a lot of ... Mortgage refinance checklist: what you need to refinance your home | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports This handy mortgage refinance checklist tells you what you need to do before refinancing. Get your paperwork in order and know your refinance goals to speed ... 5 Signs It's Time To Refinance Your Mortgage Forbes You've probably heard that refinancing your mortgage can save you money. While that's true in many cases, refinancing needs be done at the right time in order ... Mr. Cooper News: COOP Stock Hit by Downgrade Investorplace.com Mr. Cooper news about a recent downgrade for the company from analysts at Piper Jaffray is hitting COOP stock hard on Wednesday. Local Mortgage Broker Gets New Look For Corporate HQ In Scottsdale AZ - Press Release Digital Journal Arizona based ABLEnding, Inc. is pleased to announce that they recently upgraded their Scottsdale office facilities to accommodate more customers who seek ... What to consider before determining whether to refinance your mortgage Washington Post REAL ESTATE MATTERS | For a home-run refinance, try to find a deal that helps you do these four things: lower your interest rate, shorten your loan term, lower ... Cash-out mortgage refinancing: Here’s where homeowners are using it most Bankrate.com Homeowners who snagged a low-interest mortgage in recent years generally avoid refinancing the loan because interest rates are higher now. When they need ... How should I apply for a mortgage refinance: in person, by phone or online? | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports You can apply for a mortgage refinance in person, over the phone or online. Just make sure that the company is legitimate before providing personal information ... Bank of Montreal Can Has $31,000 Holdings in TFS Financial Co. (NASDAQ:TFSL) Fairfield Current Bank of Montreal Can lessened its stake in TFS Financial Co. (NASDAQ:TFSL) by 53.9% in the 4th quarter, according to its most recent 13F filing with the ... Refinance mortgage rate moves lower for Wednesday Bankrate.com Refinance rates were mixed, but one key rate trended down. If you haven't locked a refi yet, see how your payments might be affected. Refinance mortgage rate moves higher for Monday Bankrate.com Refinance rates were mixed, but one key rate trended upward. If you're in the market for a mortgage, see how your payments might be affected. Mortgage rates drop below 4.5%. Homeowners scramble to refinance | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports There is a quiet refinance boom brewing, as mortgage rates sink to 9-month lows. Not since April 2018 have rates been this low. Freddie Mac, in its weekly ... How to refinance to pay off a mortgage faster | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports You probably have a number of ways to pay off a mortgage faster. You can refinance to a shorter term, pay more on your existing mortgage or free up your ... Refinance mortgage rates mixed for Tuesday Bankrate.com Refinance rates were mixed today. If you're in the market for a refi, see how that could affect you. Should You Refinance Your Mortgage? Forbes Evidently many mortgage borrowers fail to understand that mortgage refinances have a variety of possible purposes, and their success depends on a variety of ... Refinance mortgage rate slides for Friday Bankrate.com Refinance rates were mixed, but one key rate slid lower. If you haven't locked a refinance yet, see how your finances could be affected. Refinance mortgage rate dips for Tuesday Bankrate.com Refinance rates were mixed, but one key rate decreased. If you're in the market for a home loan, see how your payments might be affected. The main reason to refinance your mortgage: Save money Chicago Tribune A substantial drop in interest rate on a fixed rate mortgage could save you money with a refinance. But you must factor in closing costs on the transaction. Couldn't qualify to refinance last year? Lenders more likely to say yes in 2019 | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports If you have been wanting to refinance but had a hard time getting approved, 2019 might be your year. Lenders are allowing higher debt-to-income ratios, ... Refinance rates decline for Thursday Bankrate.com Several benchmark refinance rates decreased today. See what that means for your refinance. Refinance mortgage rates mixed for Saturday Bankrate.com Refinance rates were mixed today. See what that means for you if you're in the market for a mortgage. Mortgage applications fall, as refinancing hits 20-year low CNBC A significant drop in mortgage interest rates was not enough to entice homeowners to refinance their loans last week. Weekly refinance demand plummets as mortgage rates hit a 5-week high CNBC A sharp rise in mortgage interest rates took its toll on the lending business last week. Mortgage application volume fell 1.8 percent for the week, according to the ... Refinance rates decline for Tuesday Bankrate.com Multiple closely watched refinance rates trended down today. See what that means for your refinance chances. Refinance mortgage rates mixed for Monday Bankrate.com Refinance rates were mixed today. If you're shopping for a mortgage, see how your payments might be affected. Refinance mortgage rate falls for Friday Bankrate.com Refinance rates were mixed, but one key rate declined. If you're shopping for a mortgage, see how your payments might be affected. Refinance rates retreat for Monday Bankrate.com Multiple benchmark refinance rates tapered off today. If you're in the market for a mortgage, see how your payments might be affected. Credible Expands Their Marketplace Into Mortgage Refinancing Lend Academy Credible made a name for themselves in student loans. They are the first and largest marketplace for people looking to refinance their student loans. Borrowers ... Factors to weigh when considering whether to refinance your home Washington Post Q: I was offered a mortgage “recast” and I need help evaluating if it is a sound financial move. My home is worth $250,000. I owe about $68,000, as I have been ... Refinance mortgage rate rises for Thursday Bankrate.com Refinance rates were mixed, but one key rate climbed higher. If you're shopping for a mortgage, see what that means for you. Refinancing activity in the US just plunged to the lowest level in over a decade Business Insider Refinancing activity plunged to the lowest level since 2000 as interest rates rise. Refinance rates tick lower for Thursday Bankrate.com Several closely watched refinance rates dropped today. See what that means for you if you're in the market for a mortgage. Refinance mortgage rate ratchets higher for Thursday Bankrate.com Refinance rates were mixed, but one key rate climbed. If you're shopping for a mortgage, see how your payments might be affected. With today's mortgage rates, you can still refinance for lower payments. Here's how | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports Many homeowners refinance for lower payments or interest rates. Here's what you need to know about your options and some pitfalls. Refinance rates hold steady for Friday Bankrate.com Several benchmark refinance rates held steady today. See what that means for you if you're in the market for a mortgage. Refinance mortgage rates mixed for Friday Bankrate.com Refinance rates were mixed today. If you haven't locked a refinance yet, see what that means for you. Refinance rates tick higher for Tuesday Bankrate.com Multiple benchmark refinance rates notched higher today. See what that means for your chances of scoring a killer refi rate. Thinking of Refinancing Your Mortgage? Check These 4 Financial Areas First Forbes Refinancing your mortgage can be a great way to save on your monthly payment or to change up the terms of your loan. However, while it's a financial move that ... Housing advocates surprisingly upbeat on FHFA nominee American Banker WASHINGTON — Senate Democrats have given a thumbs down to the Trump administration's nominee to run the Federal Housing Finance Agency, citing ... Unpaid federal workers can sidestep rules to apply for cash-out mortgage refinance Bankrate.com As the partial government shutdown drags on with no end in sight, furloughed federal workers are faced with mounting financial obligations and a variety of relief ... How to use a cash-out refinance to buy another home | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports Can or should you use a cash-out refinance to buy another home? Maybe, if that's the most cost-effective source of a down payment or even the whole purchase ... 5 Terrible Reasons to Refinance Your Mortgage MoneyWise.com Mortgage rates have been going up, so time may be running out if you're looking to refinance your home at an attractive rate, to lower your mortgage costs or... Refinance rates decline for Wednesday Bankrate.com Several key refinance rates were down today. If you're in the market for a home loan, see how your payments might be affected. Refinance rates slide for Saturday Bankrate.com Multiple closely watched refinance rates were down today. If you're in the market for a refinance, see how that could affect you. Refinance mortgage rate slides for Thursday Bankrate.com Refinance rates were mixed, but one key rate declined. If you haven't locked a refi yet, see how your payments might be affected. Refinance rates move up for Thursday Bankrate.com Several closely watched refinance rates advanced today. If you're in the market for a mortgage, see how your payments might be affected. Cash-out refinance for renovation: Increase your home equity | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports Considering a cash-out refinance for renovation? Here's what you need to know about options for financing home improvements. Refinance mortgage rate eases for Thursday Bankrate.com Refinance rates were mixed, but one key rate dropped. If you're in the market for a mortgage, see how your payments might be affected. Refinance rates decline for Saturday Bankrate.com Several key refinance rates dropped today. If you haven't locked a refi yet, see how your finances could be affected. Lanesborough REIT Reports 2018 Operating Results Canada NewsWire WINNIPEG, March 20, 2019 /CNW/ - Lanesborough Real Estate Investment Trust ("LREIT") (TSXV: LRT.UN) today reported its operating results for the year ... Do I need an appraisal to refinance my home? | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports Do you need a home appraisal to refinance your mortgage? Not necessarily. Here's what you need to know about conforming, USDA, FHA and VA refinances ... Refinance mortgage rate falls for Tuesday Bankrate.com Refinance rates were mixed, but one key rate dropped. If you haven't locked a refinance yet, see how your payments might be affected. Texas cash-out refinance: new laws you need to know | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports Cash-out refinance Texas rules for homeowners in Texas. Texas cash-out refinancing is different from other states and you'd better know the rules before taking ... Refinance rates trend higher for Tuesday Bankrate.com Several closely watched refinance rates rose today. If you're in the market for a mortgage, see what that means for you. Best cash-out refinance lenders 2019 | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports If you want to pull equity out of your home in 2019, check out this list of best cash-out refinance lenders. Because mortgage rates and costs for cash-out ... |
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