Flexible Mortgages

Most mortgages these days have some degree of flexibility, from the ability to overpay with the amount of overpayment being deducted from the outstanding mortgage balance immediately when the interest is calculated on a daily basis, to an offset mortgage where the balance of a connected current account reduces the interest payable on the mortgage by the same amount.

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Latest News

  • UK mortgage approvals fell to a fresh record low in November and banks reduced loans to households and businesses in the final three months of 2008 as a deteriorating economic outlook and falling house prices deterred lending, according to data from the Bank of England released yesterday. Mortgage approvals fell to 27,000 from 31,000 in October, [...]
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  • UK house prices plummeted by 16.2pc in 2008 in the biggest drop for a calendar year on record, according to the country’s largest mortgage lender.   The average value of a home dropped by 2.2 per cent in December, according to the latest survey from Halifax. It’s the biggest year-on-year fall since the Halifax [...]
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