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Mortgages guides

Buy to let buildings insurance for landlords

Buy to let remortgage deals explained

A remortgage deal is a mortgage you can switch to from an existing mortgage and a buy to let mortgage is a mortgage you take out specifically for renting to tenants. Find out about buy to let remortgages here.

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Equity release mortgages

Equity release mortgages

Equity release involves unlocking the value of your property and turning it into cash. Find out all you need to know about equity release mortgages in our guide.

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How to get a second mortgage

Second Home Mortgages - Uswitch explains

A second home mortgage is a mortgage for buying a second home - not to be confused with getting a remortgage or second charge mortgage.

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Are cashback mortgages worth it?

Why buying a home is better than renting

In the long run buying a home is usually better value than renting. Despite the large upfront costs that come with paying a deposit, legal and mortgage fees

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Are cashback mortgages worth it?

Who can get a mortgage?

Mortgages are typically most accessible to people aged between 25 and 40, who have a larger than average and reliable income and sizeable savings

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Are cashback mortgages worth it?

Who are the biggest mortgage lenders in the UK?

The largest UK mortgage providers are often Lloyds, Santander, Nationwide, Barclays and Royal Bank of Scotland and HSBC

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Are cashback mortgages worth it?

When should you remortgage?

You should look to remortgage to a new deal when your current introductory mortgage rate is close to ending, but not before - Read the Uswitch Guide

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Are cashback mortgages worth it?

What Mortgage Fees are there and how do they work?

The final true cost of you home move can be calculated when you consider and understand all fees associated with your mortgage - Read the Uswitch Guide

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Gifted deposit for a mortgage

What is LTV? How to Calculate LTV - Loan to Value Ratio

LTV, or loan-to-value, is the size of mortgage compared to how much your property is worth. Do have enough equity to qualify for the best mortgage rates?

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Are cashback mortgages worth it?

How to Apply for a Mortgage?

To apply for a mortgage you need as minimum as three months bank statements, proof of income and your passport or any other identification

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Are cashback mortgages worth it?

What are consumer buy to let mortgages?

Consumer buy to let mortgages are regulated as residential mortgages aimed at 'accidental' or non-professional landlords

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Mortgages for holiday lets

Ultimate first time buyer guide: how much money do you need to buy a house?

Discover the costs that could arise when buying your first home and how you could make your money go further

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How can you get mortgage with bad credit?

Two Year Fixed Rate Mortgages - Pros and Cons

A two year fixed rate mortgage will protect you against potential interest rate rises. Read all about the pros and cons of two year fixed rate mortgages.

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Find the best buy to let mortgage deals and rates

Tracker mortgages - what are they and how do they work?

Your questions on tracker mortgages. Find out what a tracker mortgage is, see tracker mortgage rates and compare tracker mortgage deals with Uswitch

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Are cashback mortgages worth it?

Step by step guide to buying a home

In this step by step guide to buying a home, we explain different steps that one needs to take before buying a home

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Gifted deposit for a mortgage

How Much is Stamp Duty?

Stamp Duty is a lump sum tax that is owed when purchasing a property or land that is valued over a certain amount.

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Are cashback mortgages worth it?

Should you make mortgage overpayments?

Mortgage overpayments can save you thousands of pounds in interest, but there are some potential fees to consider before doing so - Read the Uswitch Guide

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Are cashback mortgages worth it?

Should You Get Your Mortgage From Your Bank?

Your bank already knows your circumstances and can get an idea of your reliability with less effort when it comes to assessing your mortgage application

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How to buy a house

Shared ownership mortgages - how do they work?

Can shared ownership mortgages be your best chance of getting a foot on the property ladder?

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Mortgages for the self employed explained

How to Get a Mortgage if You're Self-Employed - Uswitch.com

If you work for yourself as a freelancer or contractor or are classed as self employed and are looking for a mortgage? Read our self-employed mortgage guide

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Remortgaging guide

Remortgaging: The Best Deals and Debt Consolidation

Remortgaging your property can offer a better deal on your monthly repayments or a chance to consolidate your debts. Compare remortgage deals with Uswitch.

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How can you get mortgage with bad credit?

Remortgage to get a buy to let property

Remortgaging to buy a rental property, or buy to let property, could be one way to raise enough cash to get the deposit for a buy to let mortgage

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Mortgages for new build homes

Porting Your Mortgage - Keep Your Mortgage on The Move

If you are moving home you might be able to keep your existing mortgage and move it over to your new property - this is known as porting

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Paying off your mortgage early: pros and cons

Can you pay off a mortgage early?

Is paying a mortgage off early always a good thing? We explain what your options are, and the benefits if you want to clear your mortgage ahead of time. We also explain what the alternatives are if the repayment penalty is just too costly.

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Are cashback mortgages worth it?

No deposit mortgages

No deposit mortgages are mortgages that give you a 100% Loan to Value ratio (LTV), aimed at customers who do not have a deposit to put up to buy a home

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Moving home tips

Moving home tips | Your guide to moving home - Uswitch

Moving home can be among the most stressful things to do, but a lot of that stress can be mitigated by a bit of planning in advance.

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Find the best buy to let mortgage deals and rates

Mortgages UK - Uswitch

How do mortgages in the UK work? Who are the biggest lenders and what do you need to know about the British mortgage market?

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Are cashback mortgages worth it?

Mortgages for Contractor, Self Employed or a Limited Company

Mortgage affordability criteria requires a proof of regular salary, sufficient income enough to meet your mortgage repayments

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Mortgages for new build homes

Mortgages for new build homes

Buying a new build home off-plan you may find it a lot harder to get a mortgage than for a new build home that has already been built

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Mortgages for holiday lets

Mortgages for Holiday Lets - Uswitch Guide to Holiday Lets

Learn more about financing holiday home properties. Looking for a holiday let mortgage? Find out if you could get a mortgage for a holiday home

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Deposit protection schemes

Mortgage Guide: Essential Information on Mortgages

Looking for mortgage information? Use the mortgage guide for the essential facts you need to make an informed choice about your mortgage today.

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Are cashback mortgages worth it?

Mortgage Terminology - A to Z - What You Need to Know

We have put together a mortgage glossary to help even the experienced homeowner get to grips with all of the important terminology

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Mortgage repayment holidays

Mortgage repayment holidays

A repayment holiday is an agreement with a lender to allow you to take a break usually for a month or two or perhaps longer from your usual payment plan.

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Interest rates - what to expect and how to prepare

Mortgage Market Review - What is the MMR?

The mortgage market review is a fundamental change to the UK's mortgage market, but what is the mortgage market review or MMR?

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Mortgage interest rates

Mortgage Rates and Interest Rates: How They Affect You

Are mortgage interest rates going up or down? What kind of mortgage has the best fixed rate, tracker, offset? Compare mortgage interest rates

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How can you get mortgage with bad credit?

Mortgage costs - how to compare mortgages

Mortgages are often complicated products, with a lot to take into account. But, you can compare the cost of different mortgages by looking at monthly repayments.

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Are cashback mortgages worth it?

Fee-free and low-fee mortgages

The mortgage set up fee, also known as the mortgage arrangement fee, is the cost the bank or building society charges for setting up the mortgage

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Are cashback mortgages worth it?

Is remortgaging worth it?

Remortgaging to a new deal and new lender can save you lots of Money, it can also land you with Early repayment charges, exit fees and high SVR

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Interest rates - what to expect and how to prepare

Interest Rate UK - What to Expect and How to Prepare

The Bank of England base rate is the official borrowing rate and currently stands at 0.1%. This base rate influences UK interest rates, which can increase (or decrease) mortgage rates and your monthly repayments.

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Find the best buy to let mortgage deals and rates

Interest-only mortgages - Uswitch explains how they work

Interest-only mortgages offer cheaper monthly repayments but what's the catch?

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Are cashback mortgages worth it?

How to use an online mortgage broker

A mortgage broker is a middleman between you and your mortgage lender, but do you need one? Find out what you need to know with Uswitch.

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Are cashback mortgages worth it?

How to save for a mortgage deposit

Saving for a mortgage deposit typically takes around ten years and requires careful planning and discipline with your money

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Are cashback mortgages worth it?

How to get independent mortgage advice

Independent mortgage advice is a helpful way of finding the right deal for you amid a complicated and overwhelming range of home buying options.

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How to buy a house

How to buy a house

To buy a house you need to set a budget, find a home you can afford, apply for a mortgage and transfer funds to the seller

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Find the best buy to let mortgage deals and rates

How to become a buy to let landlord - Uswitch

Investing in buy to let property has become a popular in recent years, what do you need to know before you become a buy to let landlord?

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How can you get mortgage with bad credit?

How to add value to your home

Your home's value can fluctuate according to the market, but you can also increase its value by taking a few steps. Our guide explains further.

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How much deposit do I need to buy a house?

How much deposit do I need to buy a house?

Having the right amount of deposit to buy a house can make a huge difference in getting the best mortgage deal. Read on how to save for a mortgage deposit.

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Gifted deposit for a mortgage

Mortgage Offer Validity - How Long is The Offer Valid

The length of a mortgage offer will vary from lender to lender, but is usually valid for a period between around 3 months and 6 months.

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Are cashback mortgages worth it?

How long does it take to get a mortgage?

The time it takes to get a mortgage will depend on a number of factors: having good credit rating, reliable and steady income, mortgage valuation survey. Find out more with our comprehensive guide.

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Are cashback mortgages worth it?

How long do I have to save to get a mortgage?

The average deposit size to get a mortgage is generally 20% of the property value, which means you will likely need somewhere between £20,000 and £50,000

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Are cashback mortgages worth it?

How does a mortgage application work?

Discover what is needed to complete a successful mortgage application. What information lenders need to accept, process and approve your application

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Are cashback mortgages worth it?

House valuation - how to get a house valuation

A house valuation will tell you about the property and how much it might potentially cost. Our guide explains how to get a free house valuation.

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Costs for buying a home

Home Buying & Moving Costs |The Facts of Buying a Home

Home buying, moving and mortgage costs. Uswitch guide to all the costs of buying a house, including deposit, solicitor fees, stamp duty and conveyancing.

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Help to buy

Help to Buy

Find out if you meet the criteria for a Help to Buy mortgage and learn more about the UK government's homeownership scheme.

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Help your kids on the property ladder - guarantor mortgages and more

Help your kids on the property ladder – guarantor mortgages and more

Parents, families and friends can help out first time buyers with deposits, a guarantor mortgage or family offset mortgages. We reveal what's involved.

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How can you get mortgage with bad credit?

What is Gazumping? A Guide to Gazumping

Gazumping is when a buyer had an offer accepted at the end of the purchase but the seller at last minute has decided to accept an offer from another buyer

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What is equity and how to use it for borrowing?

Should I choose a fixed, variable or tracker mortgage?

Which mortgage is best for you? Read our guide to fixed rate versus standard variable rate mortgages and what mortgage interest rates mean.

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Find the best buy to let mortgage deals and rates

Fixed Rate Mortgages - Guide - Uswitch

Is a fixed rate mortgage right for you? If you're not sure Uswitch is here to help. Find out all about the advantages and disadvantages

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Are cashback mortgages worth it?

How many different types of mortgage are there?

With fixed rate, variable rate or tracker rate mortgages, the option to pay interest only, capital, offset, finding the right mortgage can be difficult

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Gifted deposit for a mortgage

Gifted deposit for a mortgage

Many first time buyers get help from their parents, but if you are being gifted a deposit, here are some things you need to watch out for.

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Find the best buy to let mortgage deals and rates

Five year fixed rate mortgages - are they right for you?

Find the best 5 year fixed rate mortgage for you with the help of our guide and mortgage comparison service.

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How can you get mortgage with bad credit?

Eight Excellent Tips for First-time Buyers - Uswitch.com

Eight excellent tips for first-time buyers. Things are tough for first-time buyers, learn how to find a mortgage, buy a house on the property ladder

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How can you get mortgage with bad credit?

First Time Home Buyer Mortgage Guide

Our first time buyer guide will help you choose between a first time home buyer mortgage, help to buy mortgage, and other first buyer schemes.

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What is equity and how to use it for borrowing?

How to access equity - remortgaging for a cash lump sum

What is equity and how can you access it? We explain how you can remortgage to release equity, getting cash from your home.

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Are cashback mortgages worth it?

Do you need a mortgage broker?

A mortgage broker is someone who compares the market for mortgages and provides impartial advice to help you find the right deal

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Deposit protection schemes

Deposit Protection Schemes - Guide to Renting a Home

The deposit protection scheme is a vital safeguard for the millions of tenants renting their property across the UK. Learn how it all works in our guide.

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How can you get mortgage with bad credit?

Capital Gains Tax - What is Capital Gains Tax?

Capital gains tax is a tax on the profit you make when selling or disposing of an asset. The tax is only the profit, i.e. the gains.

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Guide to can you get a loan for a mortgage deposit?

Can I loan or use credit for my mortgage deposit? - Uswitch

How to get a deposit for a house? Is taking out a loan for house deposit an option? Read our guide to find out more.

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Are cashback mortgages worth it?

Can I get a mortgage without a credit check?

Your credit score will be looked at when you apply for any type of mortgage and often have more stringent lending criteria to loans - Read the Uswitch Guide

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Are cashback mortgages worth it?

Can I afford a mortgage?

Understanding what mortgage and repayments you can realistically afford is essential to know what size property you can purchase & how much deposit you need

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Find the best buy to let mortgage deals and rates

Buy to let mortgages

A buy to let (or BTL) mortgage in the UK allows you to borrow money to purchase a property that you can rent out. You can find and compare buy to let mortgages with Uswitch, and try to find the best mortgage for your needs, whether that's a tracker, fixed or variable rate deal.

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Are cashback mortgages worth it?

Build to rent homes

Build to rent refers to an emerging sector in the housing market involving large scale developments built mainly for the use by private renters

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Are cashback mortgages worth it?

Bridging Finance for Mortgages - Uswitch

A bridging loan is a form of financing that allows you to borrow money on a short-term basis in the gap between buying a new home and selling your old one.

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Bank of England base rate

Bank of England base rate

The base rate is the UK interest rate set by the Bank of England. A change in the base rate is likely to affect your mortgage rate. By understanding what it is and how it works, you can avoid paying more than you need to.

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How can you get mortgage with bad credit?

Bad Credit Mortgages - Mortgages for People with Bad Credit

Your questions on bad credit mortgages answered. Bad credit mortgages do exist - find out how and where to get a mortgage if you have a bad credit history

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What is a 10 year fixed rate mortgage?

10 year Fixed Rate Mortgages - Uswitch.com

A 10 year fixed rate mortgage deal will fix your interest rates and monthly repayments at the same level for 10 years

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Are cashback mortgages worth it?

Are cashback mortgages worth it?

A cashback mortgage will give you a cash lump sum when you successfully apply for one, but catches do apply so make sure you know what to look out for.

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Getting a Mortgage When You’re Older

Getting a mortgage when you’re older

Once you're over 50 your mortgage options begin to change, so it's worth carefully considering your options. Our guide shows you the options.

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Self build mortgages

Self build mortgages

Self build mortgages can give you the financing you need to make that dream home a reality.

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Residential mortgages

Residential mortgages

Learn all about the largest and most common form of credit in the UK - a residential mortgage, helping millions of us buy homes.

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Rent to Buy

Rent to Buy | What is it and how can it help you?

What is Rent to Buy? Find out if the government’s Rent to Buy right scheme is right for you, and how to find the right home for you.

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How to get a second mortgage

Buying a Second Home and Getting a Mortgage - Uswitch

Getting a second mortgage is a separate mortgage taken out on an additional or second property, leaving you with two concurrent mortgages to pay off.

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Compare conveyancing quotes, house keys

Compare conveyancing quotes in your area

Conveyancing is the legal transfer of ownership of a property from the seller to the buyer. Read our guide to understand more about conveyancing and how to find Uswtich's best conveyancing quotes.

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