At a glance

Buy-to-let mortgages

A buy-to-let mortgage is a mortgage for purchasing residential property with the specific aim of letting the property to tenants in the private rented sector (PRS). The property itself is an investment asset on which the investor aims to earn a rental return and achieve capital gains as property prices rise over time.

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First-time buyers

Buying a home for the first time can be a daunting experience. And being able to afford to buy a property has become the biggest problem for those trying to get on the property ladder.

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Remortgaging

When you come to the end of your special deal, it’s worth while looking to the market to see what else is on offer. Lenders are keen to attract borrowers with a large amount of equity in their homes who can demonstrate a good payment history.

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Offsets

The falls in interest rates over the past year may have been good news for borrowers, but savers are losing out. An offset mortgage will effectively allow you to save at the rate of your mortgage (though you won’t receive interest on your actual savings).

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Home selling

A few years ago, you could stick any old property on the market and it would be snapped up immediately by buyers keen to get on the ladder, move home or simply to build up their property portfolio.

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MPPI

When you take out a mortgage you need to think how you will pay your mortgage if you become too ill to work or are made redundant.

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Home Insurance

Insurance is one of the most boring subjects in the world, but its importance cannot be overstated. And the policies on offer can vary wildly between providers so it’s worth shopping around.

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Life Insurance

Planning for the worst isn’t the cheeriest of tasks, but arranging cover early can save you money as well as protecting your loved ones should you die.

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