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Mortgages

Navigate the world of home ownership with the Mortgages section of Finance Monthly. This segment offers expert advice and the latest information on mortgage options, rates, and trends. Whether you're a first-time buyer, looking to refinance, or exploring investment properties, our resources provide valuable insights to help you make informed decisions.

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From understanding mortgage terms to tips on securing the best rates, we're here to guide you through the process of financing your home, simplifying complex concepts and helping you achieve your property dreams.
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The Mortgage application process

19th March 2024
So you have found your dream property and have had your offer accepted, now you are ready to handle the nitty gritty mortgage details. You will have to find the best mortgage deal that works for you and then you can apply online or over the phone. You may choose to go with a broker […]
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Best fixed rate mortgages

13th March 2024
As of March 2024 below are the best 2 year and 5 year fixed term mortgage rates. With a fixed term mortgage you will not be affected by changing interest rates and you will often pay lower rates than if you were on a variable rate mortgage. If your fixed term is coming to an […]
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House Prices are Falling

6th March 2024
House prices are falling and many believe they will continue on this path through 2024. This sounds like good news, however for those selling their properties, this means they are having to reduce their asking price. Also, with high and rising mortgage rates, many people still can’t afford to buy. Predictions for the Property market […]
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London's Architectural Majesty: A Gateway to Prestigious Living

5th March 2024
London, a city where history and modernity converge in a stunning tapestry of architectural marvels, stands as a beacon of heritage and innovation. The city's diverse skyline, shaped by centuries of cultural and historical influences, not only defines its aesthetic charm but also sets the stage for one of the world's most coveted real estate […]
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How much is a house deposit?

28th February 2024
You want to get on the property ladder but don’t know where to start? You aren’t alone, thousands of people in the UK struggle to make the leap due to rising prices. When you decide you want to buy a house have a good credit card score is important with little to no debt. If […]
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How to Prepare for a Rise in Mortgage Rates

27th February 2024
You should talk to your lender If your fixed rate term is coming to and end in 2024 you could be affected by the rising interest rates. You will have to remortgage or you will be placed on your lender’s standard variable rate which is often expensive. When you remortgage the interest rate will now […]
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Interest rates are rising

26th February 2024
We have recently seen lenders hike up the prices for mortgage funds causing millions of people a much higher rate on their mortgage bills with some at a staggering 7%. The BBC informs us that banks such as HSBC, NatWest and Virgin Money are all increasing the cost of new deals. Why are mortgage interest […]
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What are the different types of mortgages?

14th February 2024
When buying a house, you will have to take out a mortgage loan from a bank or building society of your choice such as Lloyds, Barclays, Nationwide, NatWest Bank and more. It is overwhelming to wade through all the jargon and information so this is a short guide on the different types of mortgages that […]
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What is the new Dutch-style mortgage?

12th February 2024
There is a new mortgage model coming to the UK soon which could make it more affordable to take out a mortgage for more people. This new mortgage model is designed to save the borrower money as well as reduce the risk to the lender. It’s a win-win for everyone! This involves the interest rate […]
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When and How to Refinance Your Home Loan

6th February 2024
Among other reasons, a dip in interest rates is often considered an opportune moment for homeowners to entertain the option of refinancing. You can undertake the refinancing financial strategy by acquiring a new mortgage with more favourable terms to replace an existing one. Its significance is underscored by its potential to save money, improve financial stability, and […]
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HNWIs and Mortgages – Not as Easy as You Think

14th April 2021
While the wealthy should logically be well-positioned to cope with a mortgage, they are often faced with difficulties in securing credit.
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The Rise of Holiday Homes vs. Buy-to-Let Mortgages

31st March 2020
With a rise in staycation tourism, many people looking to top-up their wages or pensions are investing in holiday homes, with the number of people choosing a self-catering holiday in the UK rising from 6.22 million to 7.23 million between 2015 and 2017 alone. With the recent fall in the value of the pound due to Brexit uncertainty and coronavirus panic, the holiday home market is set to increase further in popularity – but why are holiday homes becoming more popular than buy-to-let mortgages?
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About Finance Monthly

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Finance Monthly is a comprehensive website tailored for individuals seeking insights into the world of consumer finance and money management. It offers news, commentary, and in-depth analysis on topics crucial to personal financial management and decision-making. Whether you're interested in budgeting, investing, or understanding market trends, Finance Monthly provides valuable information to help you navigate the financial aspects of everyday life.
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