Mortgage Glossary : from Mortgages & Loans UK

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Mortgage Glossary Mortgage interest rates Variable interest rate Fixed interest rate Discounted interest rate Capped interest rate Base rate tracker Interest only Mortgage First Time Buyer Mortgage Other types of mortgage Cash-back mortgage Flexible mortgage Current account mortgage Problem Mortgages Self Cert Mortgage Buy-to-Let Mortgage Adverse Credit Mortgage Remortgage Overseas Mortgages Overseas Mortgages Spanish Mortgages Florida Mortgages Mortgage Calculators Mortgage Amortisation Calculator Mortgage Overpayment Calculator Mortgage Calculator		Amortisation Amortisation is the process by which a loan, such as a mortgage, is gradually eliminated through regularly scheduled payments that cover the interest and a portion of the principal. Also, the schedule of such loan repayment. more about amortisation Annual Percentage Rate The annual equivalent rate of return on a loan or investment in which the rate of interest specified is chargeable or payable more frequently than annually. Most investment institutions are now required by law to specify the APR when the interest intervals are more frequent than annual. Similarly those Credit cards that advertise monthly rates of interest (say two per cent) mistake equivalent APR. Annuity A contract in which a person pays a premium to an insurance company, usually in one lump sum, and in return receives periodic payments For an agreed period or for the rest of his or her life (life annuity). An annuity has been described as the opposite of a life assurance as the policyholder pays that the lump sum and be insurer makes the regular payments. Annuities are often purchased at a time of prosperity to convert capital into an income during old age. Other terms used can contain annuity certain; deferred annuity. Annuity certain -an annuity in which payments continue to race a specified period irrespective of the life or death of the person covered. In general annuities cease on the death of the policy holder unless they are annuities certain. Life annuity - an annuity then ceases to be paid and the death of a specified person which may or may not be the end the annuity holder. Balloon Mortgage A mortgage in which some of the original principle and some interest is still outstanding at the end of the mortgage agreement period; it is also called a non amortising mortgage. With a balloon mortgage a lump sum has to be repaid at the end of the term to cover the remaining debt. Balloon - a larger sum repaid as any regular instalment of a loan repayments Balloon loans - balloon Loans are those in which repayments are not made in a regular manner but are made, as funds' become available, in balloons Bank Of England the central bank of the UK. It was established in 1694 as a private bank by London merchants in order to lend money to the state and to deal with the national debt. It came under public ownership in 1946 of with the passing of the Bank of England Act. The Bank of England axe as their governments and bank, providing loans through ways and means advances and arranging borrowing through the issue of gilt-edged securities. The bank helps it to implement the Government's financial and monetary policy as directed by the Treasury. It also has wide statutory powers and to supervise the banking system, including the commercial banks and to which, through the discount market, it acts as a lender of last resort, recently the Labour government gave the Bank of England the power to set up base interest rate. The bank Charter Act 1844 divided and the bank into an issue department and a Banking Department. The EC department is responsible for the issue of bank notes and coins as supplied by the Royal Mint. The banking department provides banking services (including accounts) s to commercial banks, foreign banks, all the central banks, and government departments. The bank manages their national debt, acting as Registrar of government stocks. It also administers exchange control, when in force, and manages the Exchange equalisation Account. The bar and his controlled by a governor, deputy-Governor, and a court ( Board) off 16 directors, appointed by the Crown for periods off 4-5 years. Bankruptcy The state of an individual who isn't able to pay his or her debts and against whom a bankruptcy order has been made by a court. Such orders deprived bankruptcy of their property, which is then used it to pay their debts. Bankruptcy proceedings are started by a petition, which may be presented to the court by... Creditor or creditors A person affected by a voluntary arrangement to pay debts settled by the debtor under the Insolvency Act 1986; The Director of Public Prosecutions; The debtor The grounds for a creditor's petition are that the debtor appears to be on able to pay his or heard debts ought to have reasonable prospects of doing so ie that the debtor has failed to make arrangements to pay their debt for which a statutory demand has been made all that a judgment debt has not been satisfied. Cheap money (easy money) A monetary policy of keeping interest rates at a low level. And this is normally done to encourage an expansion in the level of economic activity by reducing the cost of borrowing and investment. It was used in the 1930s to help recovery after the Depression and during World War Two to reduce the cost of government borrowing. Collateralised mortgage obligation (CMO) A US bond secured by a portfolio of mortgages and offering a fixed redemption date. Debt collection agency An organisation that specialises in collecting their outstanding debts off its clients, charging at commission for doing so. Because of the historical stigma attached to the phrase " debt collection" these agencies preferred now to be called commercial collection agencies. Deposit A sum of money paid up by a buyer as part of the sale price of something in order to reserve it (perhaps a mortgage deposit). Depending on the terms agreed, the deposit made all may not be returned if the sale is not completed. A sum of money left with an organisation, such as a bank, for safe keeping ought to earn interest all with a broker-dealer-etc., as a security to cover any trading losses incurred A sum of money paid as the first instalment on a hire purchase agreement. It is usually paid when the buyer takes possession of the goods. Equity A beneficial interest in an asset. For example, a person having a house worth �100,000 with a mortgage off �20,000 may be said to have an equity of �80,000 in the house. The net assets of a company after all creditors (including their holders of preference shares) have been paid off The amount of money returned to a borrower in a mortgage or hire purchase agreement, after the sale offer the specified asset and their full repayment of the lender of the money. The ordinary share capital of a company Government and National Mortgage Association (GNMA) A US government agency that guarantees payment on securities backed by mortgages granted by such national organisations as the Federal Housing Association Independent financial adviser (IFA) A person defined under the Financial Services Act 1986 as an adviser who is not committed to the products of any one company or organisation. Such a person is licensed to operate by one of their self regulating organisations or recognised professional bodies. With no loyalties except to the customer, the IFA must offer best advice and from the whole market place. Many categories are of IFA exist grouped into four main areas: advising on investments; arranging and a transacting life assurance, pensions, and unit trusts; arranging and transacting or the Times and investments; and management of investments. Or licensed independent financial advisers contributes to a compensation fund for the protection of their customers. Interest The charge made for borrowing a sum of money. The interest rate is the charge made, expressed as a percentage of the total sum loaned, for a stated period of time (usually one year). Thus, a brace of interest of 15 per cent per annum means that for every �100 borrowed for one year, the borrower has to pay a charge off �15, or a charge in proportion for longer or shorter periods. In simple interest, the charge is calculated on the sum loaned only. In general, rates of interest depend on the money supply, the demand for loans, government passe, that this stuff non repayment as assessed by the lender, the period of the loan, and relative levels of foreign exchange rate into other currencies. Mortgages A Mortgage is a long term loan repaid over a fixed period of time known as a mortgage term. The Mortgage Code The Mortgage Code is a voluntary code of practice with which members of the Council of Mortgage Lenders (CML) comply. It provides protection for you as a borrower and sets out the minimum standards that both lenders and mortgage intermediaries have to meet. If a member fails to meet the standards of the code, and you suffer as a result, you have the right to compensation under a compulsory independent complaints scheme. Briefly, the code sets out: How your mortgage should be arranged; What information you should receive before you commit yourself How your mortgage should be dealt with once it is in place. What this means is that the lender or intermediary must tell you a whole raft of details (most of which are covered in about the mortgage you're considering. If you're using a mortgage intermediary, the intermediary must also tell you how much he or she is receiving from the lender for arranging your mortgage. The intermediary must also tell you whether they use a panel of selected lenders, or reviews the market as a whole. Mortgages UK A Mortgage attained in the UK buy to let Mortgages A buy to Let mortgage is for those who wish to buy property in order to rent out. uk Mortgages Mortgages undergoing repayment in the UK 100% Mortgages When you borrow 100% of the mortgage value best Mortgages Find the best mortgage at a suitable website try Mortgages-loans-uk.co.uk halifax Mortgages Mortgages from the halifax Building Society cheap Mortgages A mortgage rate at a low APR is considered cheap commercial Mortgages A mortgage provided by commercial lenders , usually at a higher rate than a domestic mortgage charcoal Mortgages Try Here http://Mortgages.charcolonline.co.uk fixed rate Mortgages A mortgage with an interest rate that will remain at a fixed rate for the entire term of the mortgage abbey national Mortgages Mortgages from the Abbey National Building Society endowment Mortgages An interest-only mortgage supported by a combined investment and life assurance policy called an endowment policy. charcol Mortgages Try Here http://Mortgages.charcolonline.co.uk flexible Mortgages Flexible Mortgages are designed allow you to make overpayments and underpayments and you may be able to borrow back money or even take payment holidays. compare Mortgages Like most things, shop around and compare mortgage rates and conditions self certification Mortgages If you don't receive a regular income or you are self employed you may be able to self-certify your own income also known as a self cert mortgage Mortgages online Applying for a mortgage or sourcing one on the internet offset Mortgages An offset Mortgages allows you to keep your balances in separate accounts but all balances are offset against each other thus allowing the possibility of reducing the interest paid and could result in the Mortgages being repaid early buy to let Mortgages uk A buy to Let mortgage is for those who wish to buy property in order to rent out in the UK. french Mortgages Applying for a mortgage in france or a property "en francais" non status Mortgages Having no credit history or maybe being self employed means your credit rating has "no status" hence a Non-status mortgage current account Mortgages The Current Account Mortgages is a new concept in personal banking, a Current Account Mortgages combines several accounts into one. online Mortgages Sourcing a mortgage or Applying for one on the internet building society Mortgages Getting a mortgage from a buldi9ng society like "Abbey National" self build Mortgages self build Mortgages release staged payments in arrears. the client has to fund the initial stages , or arrange bridging finance to cover the costs. interest only Mortgages With an Interest only mortgage, initial repayments for the interest on the loan. When the mortgage term is complete, the original capital borrowed is still owed. bank of ireland Mortgages Try http://www.bank-of-ireland.co.uk cheapest Mortgages Getting a mortgage at the cheapest rate re Mortgages The process of switching your mortgage to another high street bank or lender self cert Mortgages Also known as Self Certified or Non-status Mortgages repayment Mortgages With repayment Mortgages the whole mortgage is repaid over an fixed period of time, referred to as the mortgage's term. Mortgages best Find the best mortgage at a suitable website try Mortgages-loans-uk.co.uk self certified Mortgages A.K.A. Self Cert, self certified, Self assessed or Self employed More info spanish Mortgages Getting a mortgage for a property in Spain islamic Mortgages As written in Islamic law (Shariah) it is forbidden for muslims to pay or receive interest. The Murabaha Mortgage Deferred sale finance The Ijara Mortgage lease to own student Mortgages We only recommend http://www.slc.co.uk/index.html and they don't do Mortgages "good luck" best buy Mortgages Find the best mortgage at a suitable website try Mortgages-loans-uk.co.uk overseas Mortgages Getting an overseas mortgage for a property abroad buy to rent Mortgages See buy to let Mortgages euro Mortgages Getting a mortgage in Euro's rather than Sterling landlord Mortgages Similar to a buy to let mortgage, obviously for landlords right to buy Mortgages If you have been in a council house for some time , you may be able to buy your house at a discount tracker Mortgages The interest rate charged tracks Bank Base Rate for the mortgage term. first time buyer Mortgages Buying a house for the first time requires a first time buyer mortgage cashback Mortgages Cashback Mortgages provide you with a lump sum of cash upon completion of the property purchase, either as a percentage of the mortgage or a fixed sum. best Mortgages uk Find the best mortgage at a suitable website try Mortgages-loans-uk.co.uk home Mortgages Mortgages for buying a new home business Mortgages Similar to a commercial mortgage Mortgages abroad Getting an overseas mortgage or "abroad" graduate Mortgages You may need a 100% mortgage if you are a graduate paying of a student loan let to buy Mortgages See buy to let adverse credit Mortgages Adverse Credit is a term used when the borrower has a poor credit history. shared ownership Mortgages Shared ownership schemes are to get people on property the ladder. cash back Mortgages Cashback Mortgages provide you with a lump sum of cash upon completion of the property purchase. Mortgages buy to let See buy to let Mortgages for first time buyers Buying a house for the first time requires a first time buyer mortgage 100 Mortgages uk 100% of the mortgage value is borrowed marine Mortgages You may need a marine mortgage to buy maybe a canal boat bad credit Mortgages see adverse credit Mortgages on line well hello commercial Mortgages uk See commercial Mortgages fixed Mortgages See fixed rate Mortgages second Mortgages A.K.A. reMortgages best uk Mortgages See best Mortgages but to let Mortgages Surely you mean BUY cheap Mortgages uk See cheap Mortgages Mortgages in spain Mortgages provided by spanish mortgage providers discount Mortgages A Discounted Interest Rate Mortgage is set at a percentage lower than the standard variable rate equity release Mortgages The Home Equity Release Mortgage is a special kind of loan developed especially for homeowners aged 60 and over. low cost Mortgages Mortgages at lowcost Mortgages for self employed See self Cert Mortgages Mortgages explained See Mortgages explained self employed Mortgages See self Cert Mortgages types of Mortgages see Other types of Mortgages fixed rate Mortgages uk A UK mortgage with an interest rate fixed for the entire term of the mortgage discounted Mortgages the lender will offer you a discount off the standard variable rate. best fixed rate Mortgages See Fixed rate best buy to let Mortgages See Buy to let offshore Mortgages Often known as ex-pat Mortgages or overseas Mortgages foreign Mortgages See Above guarantor Mortgages You can get a relative or "wealthy" friend to be a guarantor and pay the mortgage if you cannot. 125% Mortgages Getting a mortgage for more than the price property 125% residential Mortgages not really sure what one is, although these people do http://www.rbcroyalbank.com/products/Mortgages/ european Mortgages A mortgage in europe adverse Mortgages See adverse credit Mortgages Mortgages for business See commercial Mortgages Mortgages advice Always seek professional advice regarding Mortgages southern pacific Mortgages hawaii here we come on line Mortgages See us intelligent finance Mortgages Whether you're buying your first home, moving on - or staying put and simply moving your mortgage, Intelligent Finance offers low rates, flexibility and choice you're looking for. australian Mortgages Can you spell mortgage upside down problem Mortgages Adverse, self cert, bridge you name it there are many problems when getting a mortgage guide to Mortgages try Mortgages-loans-uk.co.uk Mortgages 100% See 100% Mortgages Mortgages best deals Really must I explain this mortgage Mortgages lenders Companies that lend money to property seekers a list is below. Amber Homeloans Bank of Ireland Bank of Scotland Barclays Barnsley Building Society The Bath Building Society The Beverley Building Society Birmingham Midshires Bradford & Bingley Building Society Bristol & West Britannia The Buckinghamshire Building Society The Cambridge Building Society Capital Home Loans Chelsea Building Society Cheltenham and Gloucester Building Society Chesham Building Society The Cheshire Building Society Chorley & District Building Society CIS Clydesdale Bank The Co-operative Bank Coventry Building Society Cumberland Building Society Darlington Building Society The Derbyshire Direct Line Dudley Building Society Dunfermline Building Society Earl Shilton Building Society The Ecology Building Society Egg First Active First Direct First National First Trust Bank Furness Building Society Future Mortgages GMAC-RFC Halifax Hanley Building Society Hinckley and Rugby Building Society Holmesdale Building Society HSBC iGroup Intelligent Finance Ipswich Building Society Irish Permanent Kensington Mortgages Kent Reliance The Lambeth Building Society The Leeds and Holbeck Building Society The Leek United Building Society Legal & General London Mortgage Company Loughborough Mansfield Building Society Market Harborough Building Society Marsden Building Society Melton Mowbray Building Society Mercantile Building Society Monmouthshire Building Society The Mortgage Lender Mortgage Trust The Mortgage Works National Counties Building Society Mortgages PLC NatWest Newbury Building Society Newcastle Building Society Northern Bank Northern Rock The Norwich and Peterborough Building Society Nottingham Building Society The One Account Paragon Mortgages Penrith Building Society Pink Home Loans Principality Progressive Building Society Prudential Royal Bank of Scotland Saffron Walden Hertfordshire & Essex Scottish Building Society Scottish Widows Skipton Building Society Southern Pacific Stafford Railway Building Society Standard Life Bank The Stroud and Swindon The Swansea Building Society Teachers Tesco Universal Building Society West Bromwich Building Society The Woolwich Yorkshire Bank Yorkshire Building Society low rate Mortgages Mortgages set a low APR or Interest rate british Mortgages The Same as UK Mortgages joint Mortgages A mortgage split be two mortgagees Mortgages ireland This is getting tiresome Mortgages calculator See www.Mortgages-loans-uk.co.uk/information/mortgage-calculator.htm international Mortgages Oh My Word Mortgages spain Here we go again platform Mortgages Platform is the intermediary lender for the Britannia Building Society and was launched in February 2003. Platform offers a range of Prime and Sub Prime Mortgages and covers both Self Cert and Buy to Let. Mortgages rates The APR of a mortgage first time buyers Mortgages See first time buyers capped rate Mortgages The capped rate mortgage is a mixture between fixed rate and a standard variable rate mortgage contractor Mortgages Mortgages for contractors Mortgages comparison Always check comparisons between different Mortgages providers Mortgages first time buyers See first time buyer Mortgages charcole Mortgages Ho Ho first time Mortgages See first time buyer Mortgages investment Mortgages Mortgages for Investing in property independent Mortgages Mortgages supplied by a broker who has no vested interest in the mortgage lender uk Mortgages online here we are capped Mortgages See capped rate Mortgages black and white Mortgages try Mortgages-loans-uk.co.uk"MORTGAGES IN BLACK & WHITE" Mortgages bad credit See Adverse credit Mortgages Mortgages in france Is anybody listening? see spain & Europe Mortgages england See mortgages UK flexible Mortgages uk See flexible rate Mortgages if Mortgages If Only Mortgages online uk Were here british Mortgages abroad See Overseas Mortgages compare Mortgages uk See compare Mortgages and loans try Mortgages-loans-uk.co.uk Mortgages compare See compare loans and Mortgages try Mortgages-loans-uk.co.uk Mortgages for teachers listen look & Learn http://www.teachersbs.co.uk/home/Mortgages Other types of mortgage Mortgages Explained 100% Mortgages 50 Year Mortgage Standard Variable Interest Rate Mortgage (SVR) Fixed Interest Rate Mortgage Discounted Interest Rate Mortgages Mortgage Glossary : from Mortgages & Loans Capped Rate Interest Mortgages Base Rate Tracker Mortgages Interest Only Mortgages First time home buyer Mortgages Explained Tips for first-time buyers Cash Back Mortgages Flexible Mortgages Current account Mortgages Buy to Let Mortgages : Using the rental to cover your mortgage repayments Adverse Credit Mortgages Equity Release Mortgages Problem Mortgages Mortgage Amortisation Calculator Mortgage Overpayment Calculator Mortgage Calculator Overseas Mortgages Spanish Mortgages Florida Mortgages Overseas Mortgages

Amortisation
Amortisation is the process by which a loan, such as a mortgage, is gradually eliminated through regularly scheduled payments that cover the interest and a portion of the principal. Also, the schedule of such loan repayment. more about amortisation

Annual Percentage Rate
The annual equivalent rate of return on a loan or investment in which the rate of interest specified is chargeable or payable more frequently than annually. Most investment institutions are now required by law to specify the APR when the interest intervals are more frequent than annual. Similarly those Credit cards that advertise monthly rates of interest (say two per cent) mistake equivalent APR.

Annuity

A contract in which a person pays a premium to an insurance company, usually in one lump sum, and in return receives periodic payments For an agreed period or for the rest of his or her life (life annuity). An annuity has been described as the opposite of a life assurance as the policyholder pays that the lump sum and be insurer makes the regular payments. Annuities are often purchased at a time of prosperity to convert capital into an income during old age. Other terms used can contain annuity certain; deferred annuity.

Annuity certain -an annuity in which payments continue to race a specified period irrespective of the life or death of the person covered. In general annuities cease on the death of the policy holder unless they are annuities certain.
Life annuity - an annuity then ceases to be paid and the death of a specified person which may or may not be the end the annuity holder.

Balloon Mortgage
A mortgage in which some of the original principle and some interest is still outstanding at the end of the mortgage agreement period; it is also called a non amortising mortgage. With a balloon mortgage a lump sum has to be repaid at the end of the term to cover the remaining debt.
Balloon - a larger sum repaid as any regular instalment of a loan repayments
Balloon loans - balloon Loans are those in which repayments are not made in a regular manner but are made, as funds' become available, in balloons

Bank Of England
the central bank of the UK. It was established in 1694 as a private bank by London merchants in order to lend money to the state and to deal with the national debt. It came under public ownership in 1946 of with the passing of the Bank of England Act. The Bank of England axe as their governments and bank, providing loans through ways and means advances and arranging borrowing through the issue of gilt-edged securities. The bank helps it to implement the Government's financial and monetary policy as directed by the Treasury. It also has wide statutory powers and to supervise the banking system, including the commercial banks and to which, through the discount market, it acts as a lender of last resort, recently the Labour government gave the Bank of England the power to set up base interest rate.

The bank Charter Act 1844 divided and the bank into an issue department and a Banking Department. The EC department is responsible for the issue of bank notes and coins as supplied by the Royal Mint. The banking department provides banking services (including accounts) s to commercial banks, foreign banks, all the central banks, and government departments. The bank manages their national debt, acting as Registrar of government stocks. It also administers exchange control, when in force, and manages the Exchange equalisation Account. The bar and his controlled by a governor, deputy-Governor, and a court ( Board) off 16 directors, appointed by the Crown for periods off 4-5 years.

Bankruptcy
The state of an individual who isn't able to pay his or her debts and against whom a bankruptcy order has been made by a court. Such orders deprived bankruptcy of their property, which is then used it to pay their debts. Bankruptcy proceedings are started by a petition, which may be presented to the court by...

Creditor or creditors

A person affected by a voluntary arrangement to pay debts settled by the debtor under the Insolvency Act 1986;

The Director of Public Prosecutions;

The debtor

The grounds for a creditor's petition are that the debtor appears to be on able to pay his or heard debts ought to have reasonable prospects of doing so ie that the debtor has failed to make arrangements to pay their debt for which a statutory demand has been made all that a judgment debt has not been satisfied.

Cheap money (easy money)
A monetary policy of keeping interest rates at a low level. And this is normally done to encourage an expansion in the level of economic activity by reducing the cost of borrowing and investment. It was used in the 1930s to help recovery after the Depression and during World War Two to reduce the cost of government borrowing.

Collateralised mortgage obligation (CMO)
A US bond secured by a portfolio of mortgages and offering a fixed redemption date.

Debt collection agency
An organisation that specialises in collecting their outstanding debts off its clients, charging at commission for doing so. Because of the historical stigma attached to the phrase " debt collection" these agencies preferred now to be called commercial collection agencies.

Deposit

A sum of money paid up by a buyer as part of the sale price of something in order to reserve it (perhaps a mortgage deposit). Depending on the terms agreed, the deposit made all may not be returned if the sale is not completed.

A sum of money left with an organisation, such as a bank, for safe keeping ought to earn interest all with a broker-dealer-etc., as a security to cover any trading losses incurred

A sum of money paid as the first instalment on a hire purchase agreement. It is usually paid when the buyer takes possession of the goods.

Equity

A beneficial interest in an asset. For example, a person having a house worth �100,000 with a mortgage off �20,000 may be said to have an equity of �80,000 in the house.

The net assets of a company after all creditors (including their holders of preference shares) have been paid off

The amount of money returned to a borrower in a mortgage or hire purchase agreement, after the sale offer the specified asset and their full repayment of the lender of the money.

The ordinary share capital of a company

Government and National Mortgage Association (GNMA)
A US government agency that guarantees payment on securities backed by mortgages granted by such national organisations as the Federal Housing Association

Independent financial adviser (IFA)
A person defined under the Financial Services Act 1986 as an adviser who is not committed to the products of any one company or organisation. Such a person is licensed to operate by one of their self regulating organisations or recognised professional bodies. With no loyalties except to the customer, the IFA must offer best advice and from the whole market place. Many categories are of IFA exist grouped into four main areas: advising on investments; arranging and a transacting life assurance, pensions, and unit trusts; arranging and transacting or the Times and investments; and management of investments. Or licensed independent financial advisers contributes to a compensation fund for the protection of their customers.

Interest
The charge made for borrowing a sum of money. The interest rate is the charge made, expressed as a percentage of the total sum loaned, for a stated period of time (usually one year). Thus, a brace of interest of 15 per cent per annum means that for every �100 borrowed for one year, the borrower has to pay a charge off �15, or a charge in proportion for longer or shorter periods. In simple interest, the charge is calculated on the sum loaned only. In general, rates of interest depend on the money supply, the demand for loans, government passe, that this stuff non repayment as assessed by the lender, the period of the loan, and relative levels of foreign exchange rate into other currencies.

Mortgages
A Mortgage is a long term loan repaid over a fixed period of time known as a mortgage term.

The Mortgage Code

The Mortgage Code is a voluntary code of practice with which members of the Council of Mortgage Lenders (CML) comply. It provides protection for you as a borrower and sets out the minimum standards that both lenders and mortgage intermediaries have to meet. If a member fails to meet the standards of the code, and you suffer as a result, you have the right to compensation under a compulsory independent complaints scheme. Briefly, the code sets out:

How your mortgage should be arranged;

What information you should receive before you commit yourself

How your mortgage should be dealt with once it is in place.

What this means is that the lender or intermediary must tell you a whole raft of details (most of which are covered in about the mortgage you're considering.

If you're using a mortgage intermediary, the intermediary must also tell you how much he or she is receiving from the lender for arranging your mortgage. The intermediary must also tell you whether they use a panel of selected lenders, or reviews the market as a whole.

Mortgages UK
A Mortgage attained in the UK

buy to let Mortgages
A buy to Let mortgage is for those who wish to buy property in order to rent out.

uk Mortgages
Mortgages undergoing repayment in the UK

100% Mortgages
When you borrow 100% of the mortgage value

best Mortgages
Find the best mortgage at a suitable website try Mortgages-loans-uk.co.uk

halifax Mortgages
Mortgages from the halifax Building Society

cheap Mortgages
A mortgage rate at a low APR is considered cheap

commercial Mortgages
A mortgage provided by commercial lenders , usually at a higher rate than a domestic mortgage

charcoal Mortgages
Try Here http://Mortgages.charcolonline.co.uk

fixed rate Mortgages
A mortgage with an interest rate that will remain at a fixed rate for the entire term of the mortgage

abbey national Mortgages
Mortgages from the Abbey National Building Society

endowment Mortgages
An interest-only mortgage supported by a combined investment and life assurance policy called an endowment policy.

charcol Mortgages
Try Here http://Mortgages.charcolonline.co.uk

flexible Mortgages
Flexible Mortgages are designed allow you to make overpayments and underpayments and you may be able to borrow back money or even take payment holidays.

compare Mortgages
Like most things, shop around and compare mortgage rates and conditions

self certification Mortgages
If you don't receive a regular income or you are self employed you may be able to self-certify your own income also known as a self cert mortgage

Mortgages online
Applying for a mortgage or sourcing one on the internet

offset Mortgages
An offset Mortgages allows you to keep your balances in separate accounts but all balances are offset against each other thus allowing the possibility of reducing the interest paid and could result in the Mortgages being repaid early

buy to let Mortgages uk
A buy to Let mortgage is for those who wish to buy property in order to rent out in the UK.

french Mortgages
Applying for a mortgage in france or a property "en francais"

non status Mortgages
Having no credit history or maybe being self employed means your credit rating has "no status" hence a Non-status mortgage

current account Mortgages
The Current Account Mortgages is a new concept in personal banking, a Current Account Mortgages combines several accounts into one.

online Mortgages
Sourcing a mortgage or Applying for one on the internet

building society Mortgages
Getting a mortgage from a buldi9ng society like "Abbey National"

self build Mortgages
self build Mortgages release staged payments in arrears. the client has to fund the initial stages , or arrange bridging finance to cover the costs.

interest only Mortgages
With an Interest only mortgage, initial repayments for the interest on the loan. When the mortgage term is complete, the original capital borrowed is still owed.

bank of ireland Mortgages
Try http://www.bank-of-ireland.co.uk

cheapest Mortgages
Getting a mortgage at the cheapest rate

re Mortgages
The process of switching your mortgage to another high street bank or lender

self cert Mortgages
Also known as Self Certified or Non-status Mortgages

repayment Mortgages
With repayment Mortgages the whole mortgage is repaid over an fixed period of time, referred to as the mortgage's term.

Mortgages best
Find the best mortgage at a suitable website try Mortgages-loans-uk.co.uk

self certified Mortgages
A.K.A. Self Cert, self certified, Self assessed or Self employed More info

spanish Mortgages
Getting a mortgage for a property in Spain

islamic Mortgages
As written in Islamic law (Shariah) it is forbidden for muslims to pay or receive interest.

The Murabaha Mortgage Deferred sale finance

The Ijara Mortgage lease to own

student Mortgages
We only recommend http://www.slc.co.uk/index.html and they don't do Mortgages "good luck"

best buy Mortgages
Find the best mortgage at a suitable website try Mortgages-loans-uk.co.uk

overseas Mortgages
Getting an overseas mortgage for a property abroad

buy to rent Mortgages
See buy to let Mortgages

euro Mortgages
Getting a mortgage in Euro's rather than Sterling

landlord Mortgages
Similar to a buy to let mortgage, obviously for landlords

right to buy Mortgages
If you have been in a council house for some time , you may be able to buy your house at a discount

tracker Mortgages
The interest rate charged tracks Bank Base Rate for the mortgage term.

first time buyer Mortgages
Buying a house for the first time requires a first time buyer mortgage

cashback Mortgages
Cashback Mortgages provide you with a lump sum of cash upon completion of the property purchase, either as a percentage of the mortgage or a fixed sum.

best Mortgages uk
Find the best mortgage at a suitable website try Mortgages-loans-uk.co.uk

home Mortgages
Mortgages for buying a new home

business Mortgages
Similar to a commercial mortgage

Mortgages abroad
Getting an overseas mortgage or "abroad"

graduate Mortgages
You may need a 100% mortgage if you are a graduate paying of a student loan

let to buy Mortgages
See buy to let

adverse credit Mortgages
Adverse Credit is a term used when the borrower has a poor credit history.

shared ownership Mortgages
Shared ownership schemes are to get people on property the ladder.

cash back Mortgages
Cashback Mortgages provide you with a lump sum of cash upon completion of the property purchase.

Mortgages buy to let
See buy to let

Mortgages for first time buyers
Buying a house for the first time requires a first time buyer mortgage

100 Mortgages uk
100% of the mortgage value is borrowed

marine Mortgages
You may need a marine mortgage to buy maybe a canal boat

bad credit Mortgages
see adverse credit

Mortgages on line
well hello

commercial Mortgages uk
See commercial Mortgages

fixed Mortgages
See fixed rate Mortgages

second Mortgages
A.K.A. reMortgages

best uk Mortgages
See best Mortgages

but to let Mortgages
Surely you mean BUY

cheap Mortgages uk
See cheap Mortgages

Mortgages in spain
Mortgages provided by spanish mortgage providers

discount Mortgages
A Discounted Interest Rate Mortgage is set at a percentage lower than the standard variable rate

equity release Mortgages
The Home Equity Release Mortgage is a special kind of loan developed especially for homeowners aged 60 and over.

low cost Mortgages
Mortgages at lowcost

Mortgages for self employed
See self Cert Mortgages

Mortgages explained
See Mortgages explained

self employed Mortgages
See self Cert Mortgages

types of Mortgages
see Other types of Mortgages

fixed rate Mortgages uk
A UK mortgage with an interest rate fixed for the entire term of the mortgage

discounted Mortgages
the lender will offer you a discount off the standard variable rate.

best fixed rate Mortgages
See Fixed rate

best buy to let Mortgages
See Buy to let

offshore Mortgages
Often known as ex-pat Mortgages or overseas Mortgages

foreign Mortgages
See Above

guarantor Mortgages
You can get a relative or "wealthy" friend to be a guarantor and pay the mortgage if you cannot.

125% Mortgages
Getting a mortgage for more than the price property 125%

residential Mortgages
not really sure what one is, although these people do http://www.rbcroyalbank.com/products/Mortgages/

european Mortgages
A mortgage in europe

adverse Mortgages
See adverse credit Mortgages

Mortgages for business
See commercial Mortgages

Mortgages advice
Always seek professional advice regarding Mortgages

southern pacific Mortgages
hawaii here we come

on line Mortgages
See us

intelligent finance Mortgages
Whether you're buying your first home, moving on - or staying put and simply moving your mortgage, Intelligent Finance offers low rates, flexibility and choice you're looking for.

australian Mortgages
Can you spell mortgage upside down

problem Mortgages
Adverse, self cert, bridge you name it there are many problems when getting a mortgage

guide to Mortgages
try Mortgages-loans-uk.co.uk

Mortgages 100%
See 100% Mortgages

Mortgages best deals
Really must I explain this mortgage

Mortgages lenders
Companies that lend money to property seekers a list is below.

Amber Homeloans
Bank of Ireland
Bank of Scotland
Barclays
Barnsley Building Society
The Bath Building Society
The Beverley Building Society
Birmingham Midshires
Bradford & Bingley Building Society
Bristol & West
Britannia
The Buckinghamshire Building Society
The Cambridge Building Society
Capital Home Loans
Chelsea Building Society
Cheltenham and Gloucester Building Society
Chesham Building Society
The Cheshire Building Society
Chorley & District Building Society
CIS
Clydesdale Bank
The Co-operative Bank
Coventry Building Society
Cumberland Building Society
Darlington Building Society
The Derbyshire
Direct Line
Dudley Building Society
Dunfermline Building Society
Earl Shilton Building Society
The Ecology Building Society
Egg
First Active
First Direct
First National
First Trust Bank
Furness Building Society
Future Mortgages
GMAC-RFC
Halifax
Hanley Building Society
Hinckley and Rugby Building Society
Holmesdale Building Society
HSBC
iGroup
Intelligent Finance
Ipswich Building Society
Irish Permanent
Kensington Mortgages
Kent Reliance
The Lambeth Building Society
The Leeds and Holbeck Building Society
The Leek United Building Society
Legal & General
London Mortgage Company
Loughborough
Mansfield Building Society
Market Harborough Building Society
Marsden Building Society
Melton Mowbray Building Society
Mercantile Building Society
Monmouthshire Building Society
The Mortgage Lender
Mortgage Trust
The Mortgage Works
National Counties Building Society
Mortgages PLC
NatWest
Newbury Building Society
Newcastle Building Society
Northern Bank
Northern Rock
The Norwich and Peterborough Building Society
Nottingham Building Society
The One Account
Paragon Mortgages
Penrith Building Society
Pink Home Loans
Principality
Progressive Building Society
Prudential
Royal Bank of Scotland
Saffron Walden Hertfordshire & Essex
Scottish Building Society
Scottish Widows
Skipton Building Society
Southern Pacific
Stafford Railway Building Society
Standard Life Bank
The Stroud and Swindon
The Swansea Building Society
Teachers
Tesco
Universal Building Society
West Bromwich Building Society
The Woolwich
Yorkshire Bank
Yorkshire Building Society

low rate Mortgages
Mortgages set a low APR or Interest rate

british Mortgages
The Same as UK Mortgages

joint Mortgages
A mortgage split be two mortgagees

Mortgages ireland
This is getting tiresome

Mortgages calculator
See www.Mortgages-loans-uk.co.uk/information/mortgage-calculator.htm

international Mortgages
Oh My Word

Mortgages spain
Here we go again

platform Mortgages
Platform is the intermediary lender for the Britannia Building Society and was launched in February 2003. Platform offers a range of Prime and Sub Prime Mortgages and covers both Self Cert and Buy to Let.

Mortgages rates
The APR of a mortgage

first time buyers Mortgages
See first time buyers

capped rate Mortgages
The capped rate mortgage is a mixture between fixed rate and a standard variable rate mortgage

contractor Mortgages
Mortgages for contractors

Mortgages comparison
Always check comparisons between different Mortgages providers

Mortgages first time buyers
See first time buyer Mortgages

charcole Mortgages
Ho Ho

first time Mortgages
See first time buyer Mortgages

investment Mortgages
Mortgages for Investing in property

independent Mortgages
Mortgages supplied by a broker who has no vested interest in the mortgage lender

uk Mortgages online
here we are

capped Mortgages
See capped rate Mortgages

black and white Mortgages
try Mortgages-loans-uk.co.uk"MORTGAGES IN BLACK & WHITE"

Mortgages bad credit
See Adverse credit Mortgages

Mortgages in france
Is anybody listening? see spain & Europe

Mortgages england
See mortgages UK

flexible Mortgages uk
See flexible rate Mortgages

if Mortgages
If Only

Mortgages online uk
Were here

british Mortgages abroad
See Overseas Mortgages

compare Mortgages uk
See compare

Mortgages and loans
try Mortgages-loans-uk.co.uk

Mortgages compare
See compare

loans and Mortgages
try Mortgages-loans-uk.co.uk

Mortgages for teachers
listen look & Learn http://www.teachersbs.co.uk/home/Mortgages

Mortgage Glossary

Mortgage interest rates

Other types of mortgage

Problem Mortgages

Overseas Mortgages

Mortgage Calculators

Other types of mortgage

Overseas Mortgages