Fixed-rate mortgages are by far the most popular mortgage products in the UK, with borrowers choosing them for the stability and peace of mind they offer. They are particularly attractive...
What does it mean to remortgage? A remortgage is the process of switching the mortgage on a property you already own from one mortgage deal to another, either with your...
Borrowers typically choose a tracker mortgage when they believe interest rates will remain stable or - ideally - begin to fall. In the scenario where the bank base rate drops,...
What is Platform? Platform is the mortgage arm of the Co-operative Bank. It came into being in February 2003, when Britannia Building Society subsidiaries Platform Home Loans and Verso merged,...
What is Kensington Mortgages? Kensington Mortgages is a specialist lender that provides residential and buy-to-let mortgages to borrowers who may struggle to secure a loan with mainstream lenders, particularly those...
What is Halifax Halifax is part of the Lloyds Banking Group, the largest mortgage lender in the UK. As such, it is a highly influential in the mortgage market, often...
What is First Direct mortgages? First Direct, a subsidiary of HSBC, was set up in 1989 as a telephone and online-only bank. Since then it has attracted 1.5 million customers...
What is Nationwide? Nationwide was established over 130 years ago as a building society and offers a number of banking products including current accounts, savings products, credit cards, loans and...
What is an 80% LTV mortgage? The loan-to-value (LTV) ratio is the size of your mortgage compared with the value of the property. If you have an 80% LTV mortgage...
What is a 95% LTV mortgage? A 95% loan-to-value mortgage - or 95% LTV mortgage - means borrowing 95% of the value of the property you are buying. With this...
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