Short answers to the questions clients ask us most, written and reviewed by our advisers.
Most lenders need at least 5% of the purchase price as a deposit. With 10% or more you'll usually have more lenders to choose from and lower rates. On top of the deposit, budget for legal fees, a surv...
By Aditi Sinha · 6 min read
Read the guideLife insurance pays out if you die, critical illness cover pays a lump sum if you’re diagnosed with a specified serious...
Buy-to-let lenders check that the expected monthly rent covers the mortgage interest by a set margin — often 125% to 145...
An agreement in principle (AIP) is a lender’s indication of how much it may lend you, based on basic checks. It isn’t a...
An early repayment charge (ERC) is a fee some lenders apply if you repay or leave your mortgage deal before it ends. It...
Start around six months before your current deal ends. Many lenders let you secure a new rate that far ahead, which give...
Most lenders need at least 5% of the purchase price as a deposit. With 10% or more you'll usually have more lenders to c...
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