A Variable rate mortgage is a mortgage deal where the rate fluctuates to reflect current market conditions.

The interest rate payable usually varies with changes to the Bank of England Base rate and reflects changing costs on the credit markets.

Tracker mortgages have interest rates that track the Bank of England rates.

So, if you are thinking about applying for a tracker mortgage, it is worth comparing the whole mortgage market first. 

Tracker mortgage rates can be great when base rate is heading south, as your monthly mortgage payments will reduce.

However, when base rate increases, then so will your monthly mortgage.

Recently lenders have introduced numerous low rate tracker mortgages.  With base rate being so low, taking out a tracker mortgage can save you money.

Sub prime mortgages deals are available to those with impaired or less-than-perfect credit histories. In the majority of cases it is worth borrowers making an extended investigation into their eligibility for standard mortgages before turning to the sub prime market.

This is because sub prime mortgages tend to offer less preferential terms than prime mortgages, with many offered by specialist firms.
More information on a variety of mortgage products and lenders is available through the links below.

Do you own a Spanish property and need to refinance with a remortgage?

Are you thinking of purchasing a Spanish property and need a Spanish mortgage?

Our Overseas division has access to numerous lenders specialising solely in the Overseas market in particular Spanish properties.

Depending on your requirements, our overseas division can find the most suitable solution for your Spanish property. They can provide you with a free consultation to determine how they could help you

Shared mortgages or ownership mortgage schemes are used for part buy, part rent schemes – this is commonly known as shared ownership. In the majority of cases, this type of mortgage scheme is popular with first-time buyers because they need only find a small proportion of the deposit and mortgage amount. Taking out shared mortgages means you are actually buying a percentage stake in a property, meaning you will not be entitled to all of the equity growth should the housing market rise.

If you are looking to take out a second mortgage, it may be useful to shop around before opting for any particular deal. There are thousands of options on the market, with different rate options, repayment and interest only plans and flexible mortgages with options for overpaying, underpaying and payment holidays.

You may have seen an ideal investment opportunity and would like to look at various mortgage options available to you.

You can use our online mortgage calculator to compare deals. By entering details about:
 

Because residential mortgage rates are always changing, it is worth shopping around and comparing the whole market before you settle for the right deal for you. 

Our service is quick and easy to use. Just fill in one simple form and get:

.    Expert mortgage advice

.    No obligation quotes

A whole market comparison

It is important to shop around to find the best deals on repayment mortgages – without comparing the market and getting advice before deciding which one is right for you could mean you end up paying more for your repayment mortgage than you should.

You can use our free service to:

.    Compare 100s of mortgage deals

.    Get quotes from across the entire UK market

Just click on the link and complete our simple mortgage enquiry form and you will receive:
.    Professional mortgage advice from an authorised UK advisor
.    FREE quotes on leading UK mortgage deals
.    A fast and friendly response

When looking for a mortgage deal it can be important to shop around, and use mortgage tables to compare rates from different lenders. There are plenty of different mortgages to choose from, but it is a big decision, so it is usually important to make sure you are well informed before you decide which one to go for.
There are a number of main types of mortgage, including:
.    Repayment: Mortgage debt is divided into capital and interest repayments and a bit of each is paid off every month.