Income & Redundancy Insurance

Mortgages

Published / Last Updated on 07/10/2025

Mortgage Videos

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Income Protection Accident Sickness and Unemployment Insurance

Income Protection Accident Sickness and Unemployment Insurance

You work to earn money. You use that money to: Pay your rent or mortgage. Pay your bills. Feed you and your children. Pay for transport and cars. Pay for Christmas and birthday presents. Pay ...

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Mortgages

Should I Fix My Mortgage Rate Now?

Should I Fix My Mortgage Rate Now?

11 years ago, Bank of England base rates were low at 0.5% pa, a legacy of getting UK ticking again after the Credit Crunch Crisis of 2008/09. Therefore, mortgage ...

> 1y1m

Mortgages

What is a Let to Buy Mortgage?

What is a Let to Buy Mortgage?

The clue is in the title for a let to buy mortgage. You let your existing property with a mortgage on it and use the mortgage to release capital ...

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Mortgages

Should I Get a Fixed Rate Mortgage?

Should I Get a Fixed Rate Mortgage?

We are frequently asked whether to go for a fixed rate mortgage or variable or discount or tracker rate. The answer to this question is a personal one based upon ...

> 1y6m

Mortgages

How Much Can I Borrow On A Mortgage?

How Much Can I Borrow On A Mortgage?

There is no simple answer to the question of how much you can borrow on a mortgage. In the 60s, 70s and 80s it used to be that most ...

> 1y6m

Mortgages

Buy to Let and Furnished Holiday Let Mortgages

Buy to Let and Furnished Holiday Let Mortgages

Buy to let mortgages are exactly what the title states, you take on a mortgage to buy a property to let it out rather than live in it personally. ...

> 1y6m

Mortgages

Mortgage Help 2024 after Help To Buy Scheme Ended March 2023

Mortgage Help 2024 after Help To Buy Scheme Ended March 2023

There has been speculation this week that the government may introduce a 1% Deposit Mortgage Scheme for First Time Buyers in the Spring Budget on 15 March 2024. See: BTN_NAVYBLUE:9632 This ...

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Mortgages

40 Year Mortgage Term v 25 Year Mortgage Term

40 Year Mortgage Term v 25 Year Mortgage Term

Given higher mortgage interest rates and high property prices, many people are struggling to get on the property ladder with mortgage affordability and many existing borrowers are struggling with ...

> 1y11m

Mortgages

Sickness or Redundancy and State Help on Mortgage Payments

Sickness or Redundancy and State Help on Mortgage Payments

Got a mortgage? Going through or expecting to go through the pain of higher mortgage interest rates shortly? What if you were in an accident? What if you are off ...

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Mortgages

10 Tips to Manage Mortgage Rate Increases

10 Tips to Manage Mortgage Rate Increases

The average 2-year fixed rate mortgage deal is now over 6% pa. Millions of mortgage payers are already struggling with payments and are worried about the 12 consecutive Bank ...

> 2y4m

Mortgages

Deposit Unlock New Build Scheme As Help to Buy Ends

Deposit Unlock New Build Scheme As Help to Buy Ends

The Help to Buy Scheme ends in England in March 2023 for purchase completions where latest applications had to be in by was October 2022. In Scotland the Help ...

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Mortgages

Pay Early Redemption Fees to Get Fixed Rate

Pay Early Redemption Fees to Get Fixed Rate

Mortgage lenders have reported an increase in numbers of borrowers who are prepared to pay early redemption charges to get out of existing mortgages to lock into new fixed ...

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Mortgages

Impact of Higher Mortgage Rates

Impact of Higher Mortgage Rates

The Bank of England Monetary Policy Committee announced today that base rates will increase by 0.50% to 1.75% pa on 4 August 2022. This is not to be ignored given ...

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Mortgages

50 Year Mortgage Cheaper or Huge Interest Payments?

50 Year Mortgage Cheaper or Huge Interest Payments?

The government is consulting on allowing mortgage terms of up to 50 years. This is common in several countries around the world and the UK is considering allowing them ...

> 3y3m

Mortgages

First Time Buyer Low Deposit Mortgage Insurance Scheme

First Time Buyer Low Deposit Mortgage Insurance Scheme

Michael Gove, Secretary of State for Levelling Up and Housing has proposed a new deposit insurance guarantee scheme to make first time buyers and other low deposit, high loan ...

> 3y5m

Mortgages

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Latest Videos

Is Bank and Building Society Interest Rate Advice Viable?

Is Bank and Building Society Interest Rate Advice Viable?

Giving regulated financial advice means we understand the full financial position, needs, risk profile, tolerance to losses and requirements of you, the client. We must then complete the whole ...

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Savings

The Pros and Cons of National Savings Premiums Bonds

The Pros and Cons of National Savings Premiums Bonds

Premium bonds are a lump sum investment product offer by National Savings and Investments (NS&I). NS&I is backed/underwritten by the UK Treasury meaning your investments are 100% protected and ...

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Investment

The Difference Between AER and APR Interest Rate

The Difference Between AER and APR Interest Rate

Types of interest rates for consumers (both with APRs and AERs) Fixed Rate: The rate stays the same for an agreed period. Variable Rate: The rate can go up or down ...

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Savings

Income & Redundancy Insurance