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A mortgage is a type of loan used to buy or maintain real estate. It is an agreement made between the purchaser and the lender, usually a bank or building society, who has the right to take your property if you don’t repay the money you borrowed, plus interest.
Mortgage Options
- Cash Purchase: No loan needed, pay full price upfront
- International Mortgages: UK banks offer international mortgages to help foreign investors arrange their finances from overseas
- Company Mortgages: You can finance the purchase through a UK LTD company if purchasing property from a business structure
- Buy to-Let Mortgages: Foreign nationals are eligible to buy and rent out properties
Types of Interest rates:
- A fixed rate mortgage: This means when you take out a loan from the lender, the interest rate does not change and stays the same for the set period you have agreed on. The advantage of this type of mortgage is that your monthly repayment stays the same; however, the disadvantage is that it starts with higher interest rates.
- A variable rate mortgage: This means that your monthly repayments may fluctuate over the duration of your mortgage. The advantage of this type of mortgage is that you may start with lower interest rates, which can save you money early on; however, the disadvantage is that it is unpredictable.
Mortgage Term Lengths:
- Ranges from 10-35 years
- Long-term mortgage means you will pay lower monthly payments with higher interest rates.
- Short-term mortgage means you will pay higher monthly payments but lower interest rates.
Standard Requirements:
- Proof of income
- Down payments often range from 25% to 40%.
- Clean credit history
- ID, bank statements, proof of address
Important Considerations:
- Mortgage interest rates change which affects monthly payments
- Interest payments through companies can be tax-deductible
- Bridge loans help with quick purchases during mortgage arrangement’s
- Loan to value or LTV, is the ratio of what you borrow as a mortgage vs how much you pay as a deposit.
- Example: If you’re buying a £300,000 home with a £95,000 deposit, your LTV is 75%.
- If you LTV is low that means better interest rates and more favourable terms.
- Remortgaging: You can switch to better deals after fixed-rate term ends.
- Additional Costs: Valuation fees, arrangement fees, legal costs, broker fees, etc.
- Repayment Mortgage: You repay both interest and capital. At the end of the term, the loan is fully paid off.
- Interest-Only Mortgage: You pay only interest monthly; the loan principal must be repaid at the end, often used for buy-to-let.
