Understanding offset mortgages

Understanding offset mortgages

With traditional mortgages, you take out a loan from the bank and you make monthly payments which either pay of the interest and a portion of the capital (repayment mortgages) or simply cover the interest with the capital being repaid at the end of the loan period (interest-only mortgages).  Then there are offset mortgages, which work rather differently.

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The challenges of climbing the housing ladder

The challenges of climbing the housing ladder

The media regularly features the plight of first-time buyers looking to get on the housing ladder, but it can be difficult for those already on it to move to the next rung, especially if they need a more expensive property, for example to have more space for children.  Even downsizers can struggle to find a property which suits their needs and makes it worth the cost and upheaval of moving.  If you’re already on the property ladder and considering a move, here are three points you might want to think about.

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Maximising the sales appeal of your home

Maximising the sales appeal of your home

It may never have occurred to you that selling a home is rather like putting on a play, but actually it’s quite a good analogy.  You will have an audience (viewers) and they will judge your home on what they see of it during the time they are inside.  So, as a seller who wants to get maximum value from your home, it’s your job to ensure that they enjoy the show.  Here are five tips.

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Making Sure Your Mortgage Is Paid Off

Making Sure Your Mortgage Is Paid Off

A mortgage is a long-term commitment and has to be met regardless of any short-term issues with your income such as unemployment or being temporarily unable to work through illness or injury.  With that in mind, it’s worth looking at how you can be sure to make your mortgage repayments are made even if you face adverse circumstances.

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