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About your mortgage

Are you looking to: How much would you like to borrow? Buy a property Remortgage a property Buy a property to let     How long do you need the mortgage for? 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 11 years 12 years 13 years 14 years 15 years 16 years 17 years 18 years 19 years 20 years 21 years 22 years 23 years 24 years 25 years 30 years 40 years 50 years   Proceed to step 2.

Step 2 of 3	About your mortgage
Estimated property value?   Are you a first-time buyer? YesNo   Do you need to self-certify your income? YesNo   Have you: Had a CCJ or Default registered against you? Missed one or more secured loan or mortgage payments in the last 12 months? Been declared bankrupt or had an IVA? Proceed to step 3.

Step 2 of 3	About your mortgage
Estimated property value?   How much would you like to borrow?       Proceed to step 3.

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Your details

First name: Last name:     Phone number: Alternate phone number:     E-mail address: Date of birth:   -- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 -- January February March April May June July August September October November December ---- 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989   First line of current address: Current postcode:     Based on your requirements we have selected the FSA regulated broker Broker Name to help you with your enquiry. Please click SUBMIT to confirm that you are happy for them to contact you by telephone/e-mail.

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Morgage

Morgage is a common misspelling of “mortgage”. The silent t seems to throw everyone off track, but no matter how you spell it or say it, both words mean the same thing – the loan you have to take out in order to be able to purchase your own home. It is an unfortunate fact that very few of us have the money lying around to be able to purchase the home we wish to live in outright. If we did then it would make life so much easier! However, as it is the morgage is an invaluable financial product and worth considering fully before you commit yourself to one of the hundreds of different mortgages available.

According to Credit Action, 11.8 million households currently have a mortgage and the average balance outstanding on every UK mortgage is £100,485. That figure has rocketed since the 1990s because house prices have dramatically increased. This has not lessened the demand for property at all though because it has been perceived as a safe investment in recent years. This demand has resulted in a huge variety of morgage products being offered by high street banks and lenders, independent lenders and specialist lenders.

As far as your choices are concerned, you can choose from a capped, fixed rate, interest only, flexible and variable mortgage, amongst other types of course. You will undoubtedly find this mind blowing when you begin to look into the market! The sheer range can be confusing, but with a little help and information, you can soon find the right mortgage for you!

Here is a great place to start. The following pages can give you all of the information you need to be able to decide just what it is you want and need from a morgage. This in turn will enable you to make the right decision when you choose the mortgage product that will accompany you for the next twenty five years of your life!