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"Looking for the best mortgages in the UK?"



Consider ...
  • Your mortgages UK rate;
  • Discount;
  • The term (no. of years);
  • Reputation of lender;
  • Insurance required by the lender;
  • Application and handling fees;
  • Pre-payment penalties;
  • Affordability;
  • Your credit rating.
These are the criteria you should use. Don't make a decision based on interest rate alone.

Mortgages - UK interest rates are current at a 30-year low. Lenders are discounting their rates and offering special deals.

There are several additional costs that should be taken into consideration:

Estate agents fees: 1.5 to 1.75% of the eventual selling price.
Solicitor's fees: A few hundred pounds.
Stamp duty: Payable on properties over £60,000 – 1% being payable in tax, rising to 3% for properties of £250,000 or more.
Removal Fees: You may decide to hire a van, or good removal firm will cost a couple of hundred pounds depending on the distance you are moving.

Mortgages - UK companies are constantly trying to get the biggest market share. Only so many mortgages are taken out in the UK each day. When a mortgage company starts to lose its market share it approaches independent consultants with better interest rate and deals. You would not really be aware of this as it is changing constantly. Use an independent mortgages UK agent to find these products for you.

=> FREE: TigerTom's '50 Loan & Mortgage Tips' ebook. It's a simple list of tips to be aware of when getting a loan, including how to improve your credit rating.


=> FREE: Use TigerTom's Loan and Mortgages UK Calculator. This shows you what your monthly payments will be, and allows you to adjust the amount, rate and time period, until you find what you can afford.


Are you applying for mortgages in the UK? Complete the simple form below, and get both softwares free. There is no charge or obligation.


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Comments or questions:
Mortgages UK - Standard Fees Some TigerTom.Com visitors are very cost-conscious, or unfortunately can't afford the standard fees associated with getting mortgages in the UK. Please read the following:
Survey and Valuation Fee:

Because the lender will have to assess the value of the property I want to buy, I understand that if I am offered a mortgage, I will have to pay, before completion, a non-refundable survey and valuation fee of at least £300.

Please tick here ->

Declaration required by the Financial Services Authority [FSA]:

In supplying this information to T. O' Donnell, owner of the website TigerTom.Com, I authorise The Mortgage Times Group Ltd. to contact me with regards to arranging a mortgage. I confirm that T. O' Donnell has not provided me with any advice with regards to mortgages. I agree to pay the broker fee on completion, either in cleared funds or to be added to the loan.

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Overall cost for comparison is 7.2% APR. The actual rate will depend on your circumstances. Ask for a personalised illustration. Your home may may be repossessed if you do not keep up repayments on your mortgage. Privacy policy. T. O' Donnell Consumer Credit Licence No.: 562089.
 



Getting Mortgages in the UK.

Whether you have an A1 credit rating and simply require the best deal, or if you have less than an A1 credit rating we can help.

Special mortgages are available if you have CCJ's, mortgage arrears or no proof of income. These can often be only 1% or 2% above standard mortgage rates.

We offer a high standard of service. Our mortgages UK are available to suit your financial needs:-

  • Fixed;
  • Variable;
  • Discounted;
  • Capped;
  • Payment holiday.
 
 

 



More: here









Consumer Tip:

Some people can't grasp the meaning of large sums of money. They take months to buy a fridge, but flog out £217,000 on a whim. It's a buzz! Reason goes out the window. They may have been in a dead-end job before, and now they're going to realise their dream, be Jiminy! This is human nature. £10.70 is easier to grasp that £100,070. Now is the time to get out pen, paper and calculator and do some sums. What's the worst that could happen? Do you have a contingency plan? Do you have health insurance, some money put away for a rainy day, is the kids’ education sorted out for the future?





My problem lies in reconciling my gross habits with my net income.

Errol Flynn (1909 - 1959).





Time now: 17:46:06 | Wednesday | August 20 | 2008.
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