Lending and Mortgage Guides

1. What are Secured Loans? (Video)

Securing your money
If you want to release equity in your home without interfering with a good mortgage rate, a secured loan is one option you could try.

This short and simple guide to secure loans tells you how and why they are a useful alternative.

 

2. What are Guarantor Loans? (Video)

Retirements Suffer Loss

If you don’t have the best credit history but you do have someone who will vouch for you, better rates may be available through a guarantor loan.

To avoid high-cost alternatives such as payday lenders, find out more about this new and different type of loan.

 

3. What are Peer-to-Peer Loans (Video)

Technology

Borrowers and savers can now improve the rates on their deposits and loans by cutting out the bank in the middle.

Peer-to-peer websites help to match investors with borrowers to give everyone a better deal. Find out more about this innovative industry here.

 

4. Variable-Rate vs. Fixed-Rate Mortgages (Video)

Happy family near new house

When choosing your mortgage, should you opt for a fixed-rate loan or a variable rate loan?

This guide presents the benefits and drawbacks of both of these mortgage types to assist you with your decision making.

 

5. The Impact of Mortgage Arrangement Fees

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You might have found a great rate on your mortgage – but watch out! Some of the best deals on the market turn out to be far more expensive once you add on the fees.

This guide demonstrates how to weigh up both rates and fees to determine the best value loan for your needs.

 

6. The Mortgage Market Review

Choosing the Right House

New mortgage rules were introduced in 2014 to prevent lenders from issuing risky loans that home-owners would struggle to repay.

Find an outline of the new rules here and see what you can do to improve your chances of being accepted.

 

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