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Compare mortgage deals and see if you can save today at ClaimAnything. Our mortgage comparison service can help you compare rates from across the UK market.
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Getting a mortgage can seem scary. It’s one of those milestones that says ‘I’m a grown up’ but it can be hard to figure out what mortgage is right for you.
So when you compare mortgages it’s really important you understand what’s available – and we can help you, from explaining how to save for one in the first place to getting a second mortgage. We’ve even got some top tips on how to maximise your chances of getting your mortgage approved.
When you compare with us, we’ll show you the types of mortgage available, the monthly repayments, and tell you about the fees you can expect to pay. You can also compare mortgage rates for buy to let and first time buyer mortgages right here too. And if you’re looking to find a better interest rate or your current contract’s come to an end – why not look at remortgaging?
What type of mortgage should you choose?
Getting the right mortgage depends on your circumstances, but our comparison can help you:
You can also check how much you could borrow, this comparison includes every mortgage you can currently get in the UK. To find the best mortgage lender, check smaller companies as well as big lenders like HSBC, Barclays, Natwest and Santander, as they may offer cheaper rates.
Compare just the mortgages designed for your circumstances using our comparisons for…
What type of mortgage should you choose?
If you want to stay in your home but get a better deal, a remortgage lets you switch.
This can save you money if:
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Mortgages – Frequently Asked Questions
First time buyers ?
Buying a home – It’s a dream that many share, but one that unfortunately more and more believe is out of reach. Our research has shown that over 5.5 million of you who aren’t yet on the property ladder believe that you will never be able to purchase your own home, and even if you think you could get on the property ladder, many are put off by the complexity and fear of hidden costs. But that’s where we’re here to help.
So if you’re considering taking that big step, we’re here to help make everything ‘simples’ and stress-free. Whether it’s mortgages and stamp duty which have got your head in a spin, why or how you buy life insurance, or even something as simple as sorting out your broadband and energy providers, we’ve got you covered.
If you already own your home but want to move, you may need a new mortgage. Check if your existing mortgage is portable, which means you can move it to a new property.
If it is not portable or you want a better deal with a different lender, consider getting a new mortgage when you move house.
What is mortgage interest?
Mortgage interest is similar to interest on any other loan product. When you borrow that money, you have to pay it back with interest. However, the interest rate is even more important on a mortgage because it is likely you will be paying off your mortgage for many years, maybe even 25 to 30 years.
Also, the type of mortgage you select, be it fixed rate, tracker, offset or standard variable, will determine the mortgage interest rate you get over the course of your repayment plan.
So how is interest calculated on a mortgage loan? Unlike other types of credit and loans, mortgage interest rates are calculated quite differently.
If you took out a credit card you would have the annual percentage rate (APR) as a guide on how much to pay once you start borrowing outside of the interest-free period. On a loan, you are more likely to have a fixed amount to pay each month for 3 to 5 years.
With a mortgage you have interest to start paying immediately, and the value of this can go up or down depending on the Bank of England’s interest rates and the mortgage provider. Read on to learn more about how this works.
What are the common fees when applying for a mortgage?
Advice fee: If you seek help from a mortgage advisor, you may have to pay for their services.
Booking fee: Tends to be around £99 (although some lenders don’t charge at all). This ‘reserves’ your loan as the application goes through. It’s worth noting that this won’t be refunded if you decide not to take out the mortgage.
Arrangement fee: This is what you pay your lender for setting up the mortgage. While a typical price will be around £1,000, it could be as much as £2,000. You can pay upfront, or roll it into your mortgage – but remember you’ll then be paying interest.
Valuation fee: There’s no set price for a valuation, and some lenders offer them free. They cover the lender surveying the property you want to buy, to ensure everything is in order and that the property is adequate security for the mortgage.
Legal fees: Usually charged as a proportion of the purchase price, these cover a solicitor to do all of the legal paperwork. They include costs of Stamp Duty and search fees.