Tell us about the home you want to buy. A verified mortgage professional who covers your postcode will get in touch to explain the types of mortgage, what you can afford and what to line up first, so you're ready before you make an offer.
A verified professional will get in touch.
The right choice depends on your budget, how much certainty you want and how long you plan to stay.
You pay off interest and the loan together, and own the home at the end of the term.
You pay only the interest, so you need a separate plan to repay the loan at the end.
Your rate and payment are fixed for a set period, then change.
The rate follows another rate, such as the Bank of England base rate, and moves with it.
A reduction on the lender's variable rate for a set period.
Your savings are set against the loan to reduce the interest you pay.
The part of the price you pay yourself.
An arrangement fee, and sometimes a valuation fee or broker fee.
Stamp Duty Land Tax, or the Scottish or Welsh equivalent, depending on the price and your situation.
A solicitor or conveyancer to handle the purchase.
To check the condition of the home before you commit.
Removals, furniture and the other costs of a new home.
Ask for the firm's FCA reference number and check it on the FCA Register.
Or only a selection of lenders.
A fee from me, a commission from the lender, or both.
Including the arrangement fee, and what happens when the rate period ends.
And can I port the mortgage if I move?
And what will it leave on my credit file?
We connect you with one verified provider who understands what you need. No hard sell, and no obligation.
Lenders and your own budget can give different answers. You hear how to work out a payment you can live with.
Fees, legal costs and tax add up. You hear what to budget for so there are no surprises.
You get the options explained. Whether to apply is always your decision.
On a repayment mortgage, you pay off both the interest and the loan, so you own the home outright at the end of the term. With interest-only, you pay only the interest and must have a plan to repay the loan itself. The rate can be fixed for a period, follow a lender's or the Bank of England's rate, or move at the lender's discretion.
A fixed rate keeps your payment the same for a set period, often two to five years. When it ends you usually move to the lender's standard variable rate, which is often higher, so many people arrange a new deal before then.
It depends on the lender and the deal. A bigger deposit usually means a lower loan-to-value ratio, which can open up lower rates. A professional can tell you what is realistic for you.
Lenders look at your income, your outgoings and debts, and test whether you could still afford the payments if rates rose. Different lenders reach different answers, so it's worth asking more than one.
On top of the deposit: the arrangement fee for the mortgage, a valuation, a survey, legal or conveyancing fees, and Stamp Duty Land Tax in England and Northern Ireland, Land and Buildings Transaction Tax in Scotland or Land Transaction Tax in Wales. Rates and thresholds change, so check the current ones.
It's an early indication from a lender of what it might lend you, often useful before you start viewing homes. Ask whether it involves a soft or a hard credit search, since a hard search shows on your credit file.
You can apply directly to a lender, use a broker or speak to an adviser. Advisers and brokers need to be authorised by the Financial Conduct Authority. Ask whether they look at the whole market or only some lenders, and how they are paid.
Government and lender schemes change over time. Ask what is available now and what conditions apply, rather than relying on something you read some time ago.
There is no cooling-off period for a mortgage as such, but lenders must give you a reflection period of at least seven days after you receive an offer. Early repayment charges may apply if you leave a deal early, so check them.
Complain to the firm first. If you're not happy with the answer, you can usually take it to the Financial Ombudsman Service, which is free to use.
Roughly what you can put down as a deposit, what you earn and owe, the price range you're looking at and your postcode. If you don't have everything, send the request anyway.
No. Namoye is a free matching service. It is not a lender, broker or adviser, and it doesn't give mortgage advice. Any advice or offer comes from the firm that contacts you.
No to both. A verified professional contacts you, and Namoye is free for you.
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Your home may be repossessed if you do not keep up repayments on your mortgage. Namoye is a free matching service. It is not a lender, broker or adviser, and it doesn't give mortgage advice or make credit decisions. Any advice or offer comes from the firm that contacts you. Check that a firm is authorised on the Financial Conduct Authority Register (register.fca.org.uk) before you share personal or financial details.
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