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Tom Martin

Articles and guides written by Tom Martin

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What is APR, How Does APR Work and What it Means?

What is annual percentage rate (or APR)? and how does it work? Our guide explains how APR works and what you need to know about it if you're borrowing money.

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What size mortgage can I get and how much can I borrow?

Finding the size of mortgage you can get before you start house hunting is a sensible move and can help you set your budget.

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Gifted deposit for a mortgage

How to get a mortgage

To get a mortgage you need to have at least a 5% deposit for a home as well as meeting affordability and credit score criteria with a lender.

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When should I fix a mortgage rate?

Fixed rate mortgages rates are getting increasingly competitive, with rates at all time lows, but is 2015 the year to fix your rate?

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What are mortgage rate discounts and deals?

Are discounted mortgage deals too good to be true? Is a discount mortgage the best type of mortgages for you? What are the downsides? Read the Uswitch Guide.

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Joint tenancy home buying

A joint tenancy when home buying means you have joint ownership with someone else sharing the ownership, responsibilities and rights.

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How can you get mortgage with bad credit?

Is the lowest mortgage rate always the cheapest?

The cost of a mortgage is almost entirely defined by the interest rate, so the lower the rate, the cheaper your mortgage will be - Read the Uswitch Guide

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Could you afford your mortgage if rates rise?

The mortgage interest rate determines how much your monthly repayments will cost. The higher your interest rate, the higher your mortgage repayments.

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National Savings and Investment (NS&I) explained

National Savings and Investment, or NS&I, is a government backed national form of saving account, aiming to give savers a secure space to store their money.

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Loan interest rates - how to get low interest loans

Loan rates - how to get low interest loans

If you want to find good low interest loan rates, then you will need to shop around to find one that best fits your needs, Uswitch explains how.

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What's the cheapest way to borrow money?

What's the cheapest way to borrow money?

Take a look at what are typically the cheapest ways to borrow money, and see if you can save next time you want to get a loan or credit card.

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Wedding loans for credit - finance your wedding

Looking for a wedding loan for bad credit? Read on to learn more about what your options are for getting a wedding loan even if you have bad credit.

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