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Home Loan Mortgage Rates: What You Need to Know
by Miodrag Trajkovic.For new home buyers the first thing to consider is the home loans mortgage rates. It is important to try to get the best deal as possible as you will spend a long time paying for your dream house based on the agreed home loans mortgage rates.Before s...
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Adverse Credit Mortgage Fees
by michael sterios.If you suffer from bad credit and need to apply for an adverse credit mortgage product it does not mean that you will automatically need to use the services of a broker who will charge a hefty fee when helping you apply for a home loan. There are oth...
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Remortgage Before Interest Rates Rise
by michael sterios.Home owners throughout the UK may be about to learn a harsh lesson - that low interest, fixed rate mortgages may not be as good as they first appear. With hundreds of thousands of property owners about to remortgage their homes after their fixed rate...
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Buy-To-Let Mortgages Explained
by michael sterios.According to figures, 10% of all homes bought in 2006 were via the buy-to-let mortgage option. Accounting for over £17.5 billion, it's a number that looks set to grow, if 2007's trends are anything to go by. Looking at what a buy-to-let mortgag...

Buy To Let Mortgages Face Negative Equity
by michael sterios.Tens of thousands of property owners may be at risk of negative equity this year if the prediction of falling house prices comes true. Leading organizations are estimating that property prices will fall by about five percent during the year which lea...
Similar Editorials : Are You Too Negative

Self-certification Mortgages In The Clear
by michael sterios.Following a report from the BBC's Money Programme, the FSA (Financial Services Authority) conducted its own investigation into self-certification mortgages and the practices undertaken by mortgage intermediaries when helping individuals apply for suc...

Warning For Bad Credit Mortgage Lending
by michael sterios.Bad credit mortgage applications are subject to strict rules that are enforced by the mortgage industry regulator - the Financial Services Authority. The regulator regularly investigates whether the bad credit mortgage rules are being adhered to by m...
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Home Mortgage Refinance - Cash is Helpful
by Alan Lim.OverviewA home mortgage is the largest single investment that most people make during their lifetime. Using the equity that develops after regular mortgage payments and appreciation of the value on your home is an excellent way to access cash withou...
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County Court Judgements And Bad Credit Mortgages
by michael sterios.A County Court Judgement is an order by the courts for one party to pay an amount owing to another party. County Court Judgements, or CCJs, affect people's credit files and will normally require the applicant to abandon the prospect of applying for t...
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When Is A Self-Certification Mortgage Appropriate?
by michael sterios.A self-certification mortgage is a home loan product designed for borrowers who may not be able to prove their income through traditional means such as tax records and pay slips. They were first made available to self employed individuals who could n...

The Basics Of Adverse Credit Mortgages
by michael sterios.Adverse credit mortgages are arranged for home owners and first-time-buyers with impaired credit files. People with adverse credit are usually excluded from applying for mainstream mortgage products and are therefore forced to seek alternatives.Sever...
Similar Editorials : Bad Credit Mortgages

Assessing Remortgage Applications
by michael sterios.If your home loan is costing you more money than it should or if you are nearing the end of a fixed interest rate or discounted rate period you may be preparing to remortgage. Switching mortgages is quite common in the UK with most home owners remort...
Similar Editorials : What is a Remortgage

The Retracting Self-Certification Mortgage Market
by michael sterios.Once upon a time self-employed workers found it nearly impossible to get a mortgage unless they had an enormous deposit and a large income from their business activities that spanned many years. Those times may be about to return as lenders are pulli...

Why Remortgage?
by Gill Critchley.When people take out a mortgage on their property they are often looking for the best deal that they can find. However, this offer doesn't always last and the discounted rates and other limited offers leave people wanting a better deal from elsewher...
Similar Editorials : Remortgage Uk

Mortgage Interest Rate History, and a Change for the Future
by Ed Lathrop.Today's economy is very dependent upon mortgage interest rates. Right now the interest rates are very low. This, of course, is good. Today, a 30-year mortgage can be obtained for about 6%, maybe less. At 6%, a $200,000 mortgage for 30 years would...
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How to Avoid Private Mortgage Insurance
by Peter Kenny.Copyright (c) 2008 Peter KennyPrivate mortgage insurance solves the down payment problem but creates two new problems. Your monthly payments will be larger and on top of that it is not tax deductible. Fortunately, there is more than one way to get ...
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Fixed Rate vs. Variable Rate Mortgages - What Is The Difference?
by Patricia Hodge-Rendall.What is the difference between the fixed rate vs. variable rate mortgages? For most people looking to buy their next home this questions comes up all the time. When you look at the bank's posted rates you usually see interest rates for many different...
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Should The Government Rescue Adverse Credit Mortgages?
by michael sterios.The Federal Government's apparent willingness to support the market for adverse credit mortgages in the United States raises the question as to whether the UK Government should consider doing the same. The House recently passed a allowing the Federal...
Similar Editorials : Adverse Credit Loans

Refinancing With A Second Mortgage Or Home Equity Loan
by J Suffie.If you're looking into refinancing your home and have a second mortgage or a home equity loan or line of credit, in some cases you may be out of luck. If you want to refinance your primary loan, you first must convince the lenders holding any second...
Similar Editorials : Home Mortgage Refinancing

Top Tips to Help You Secure a Mortgage Loan
by Mike Clover.The American dream is to own a home someday. We all have this passion deep down in side. Most Americans don't have the money to pay cash, so they turn to lender to assist with the purchase of there first or second home. With all the new guidelines in...
Similar Editorials : Secure Payday Loan

Home Mortgage Loan - What Are The Preparations You Should Know
by Alan Lim.Obtaining a home mortgage loan involves a few simple preparatory steps whether this is your first home or whether you are experienced in real estate investment. Plan ahead and the loan process will go much more smoothly.BasicsThere are a few simple s...
Similar Editorials : Getting Home Mortgage Loan

Home Mortgage Refinancing - Knowing And Following The Steps
by Alan Lim.Home mortgage refinancing is often selected as an option when circumstances change financially. Whether the homeowner is in need of substantial cash or just wants to adjust the mortgage payment level, choosing a refinancing option makes a lot of sen...
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Avoiding Fees When Taking Out a Mortgage
by Peter Kenny.Mortgage fees and terms can be confusing and frustrating. Mortgage and financing terms are like another language. Yet, if you have a firm grasp of at least some essential terms, the more you can potentially save yourself in headaches and money. Yo...
Similar Editorials : Avoiding Private Mortgage Insurance

Warning For Adverse Credit Mortgage Fraud
by michael sterios.The Financial Services Authority has been slowly ramping up its operations to target mortgage fraud in the UK by gathering enough evidence to successfully prosecute perpetrators. High on the list is fraud involving adverse credit mortgage products. T...
Similar Editorials : Mortgage fraud

Payment Protection Insurance
by Simon Burgess.The family of payment protection insurance products are often very confusing. After all while policies will basically work in the same way when they payout and for how long they payout, they pay for different reasons. There are three types of policie...
Similar Editorials : Loan Payment Protection

 
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