Mortgage Products

Mortgage Products

A mortgage is a type of loan that is used to buy property or land, usually taken out over a term of 25 years however, the term can both be longer or shorter.

There are may types of mortgages on the market and so it’s important to do some research into the type of product and features you need before making a purchase or changing supplier.

Whichever type of mortgage that you choose it’s important that it is affordable to you. It’s not just the repayments on the mortgage that have to be taken into consideration but the running costs of owning a home such as household bills, council tax, insurance and maintenance.

Lenders will want to see proof of income and certain expenditures. You’ll also need to disclose any debts. You may also need to provide information about household bills, child maintenance and personal expenses. Lenders need to see proof that you will be able to keep up repayments if interest rates should rise. They may refuse to offer you a mortgage if they don’t think you’ll be able to afford it.

 

Want help or advice on mortgages?

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Mortgage Requirements

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Mortgage Disclaimer