Mortgage Stuff

‘Mortgage Product Fees’ – What A Joke

22 Aug 2011 / Mortgage Stuff / 18 Comments

Last week I went for a consultation with my local Building Society’s Mortgage Advisor/Broker (whatever you want to call them) to review one of my Buy-To-Let Mortgages, which is currently [...]

Buy-to-let Mortgage Guide

22 Jun 2011 / Mortgage Stuff / 0 Comments

Looking for quick and easy Buy-to-let Mortgage advice/quotes for your Buy-to-let property? Then you’ve come to the right place. Confused? Not sure about your options? Get quick and easy Buy-to-let [...]

How Low Is Your Mortgage Interest Rate?

18 Apr 2009 / Mortgage Stuff / 5 Comments

At the peak of the property boom back in November 2007, when every penniless fucker was snapping up unrealistically priced properties like they were Donald Trump, the Bank Of England [...]

Northern Rock Has Passed On A 0.25% Cut To Their Standard Variable Rate

29 Jan 2009 / Mortgage Stuff / 7 Comments

I know a lot of my readers take particular interest in Northern Rock and their standard variable rates, so I thought i’d just give you folks a quick update. I [...]

My Savings On Mortgage Payments Since Interest Rates Have Fallen

17 Jan 2009 / Mortgage Stuff / 3 Comments

I suspect a lot of homeowners on tracker and variable rate mortgages have made significant savings over the previous months as interest rates have been tumbling. I have definitely saved [...]

Northern Rock Seem Desperate To Get Me To Remortgage

17 Dec 2008 / Mortgage Stuff / 1 Comment

Ever since Northern Rock butt-fucked their entire company, resulting in them being nationalised, they have been sending me letters every month advising me to remortgage. As already mentioned in numerous [...]

Making Mortgage Overpayments While Debt Is Cheap

11 Dec 2008 / Mortgage Stuff / 0 Comments

For the last few years I’ve been repaying my mortgage while borrowing has been uncomfortably expensive. I imagine it’s been the same for most people. However, now that interest rates [...]

Northern Rock Lowered Thier Standard Variable Rate (SVR), Which Saved Me A Small Fortune

23 Nov 2008 / Mortgage Stuff / 24 Comments

Oh man, the huge 1.5% base rate In November has been a blessing, very much like the existence of Sarah Beeny’s breasts. I’ve recently been discussing the impact of the [...]

Birmingham Midshire Are 2 Months Behind Passing On Interest Rate Cuts

19 Nov 2008 / Mortgage Stuff / 29 Comments

The other day I was pleading to my readers, asking the question, Are Birmingham Midshire Cutting Their Rates? This question was instigated after the massive 1.5% baserate cut was announced [...]

Who’s Shitting Themselves About Remortgaging?

31 Jul 2008 / Mortgage Stuff / 4 Comments

I’m just wondering who is worried about remortgaging? In March 2009 I’m due to come off 2 fixed rate mortgages, and onto an estimated 7.8% standard variable rate. Of course, [...]

Adding Someone To Your Mortgage

14 Jul 2008 / Mortgage Stuff / 10 Comments

The process of adding someone to a mortgage is quite common. The most common scenario is adding a long-term partner. The actual process is actually pretty straight forward, it’s just [...]

Saving Vs Reducing Your Mortgage

08 Jul 2008 / Mortgage Stuff / 0 Comments

It’s a no-brainer; now is the time to start making overpayments and reduce the bain of the average homeowners life, the mortgage. This especially applies to those still in their [...]

Coming To The End Of Your Fixed Rate Mortgage Period?

13 May 2008 / Mortgage Stuff / 0 Comments

More than one million people in the UK are going to face a sharp jump in their mortgage payments when they’re thrown out of their honeymoon fixed rate period, and [...]

Northern Rock Want Their Borrowers To Remortgage

13 Apr 2008 / Mortgage Stuff / 3 Comments

I already mentioned in a previous blog article that Northern Rock weren’t going to be offering their customers a competitive new deal when it comes to the end of their [...]

Different Ways Of Paying Interest On A Mortgage

09 Jan 2008 / Mortgage Stuff / 0 Comments

In theory, mortgages should be simple. You borrow money from a lender to buy a property, and you pay the lender back over a period of time with interest. If [...]

How To Avoid The Mortgage Struggle

04 Jan 2008 / Mortgage Stuff / 0 Comments

Millions of homeowners have been feeling the burn with rising interest rates and the overall cost of living. Repossession levels are creeping up as more and more people are struggling [...]

Mortgage Overpayment Calculator

10 Dec 2007 / Mortgage Stuff / 2 Comments

After writing the Mortgage Overpayments article, I decided to put together an overpayment mortgage calculator, so you easily work out how much you can save by making overpayments. The tool [...]

Mortgage Overpayments

09 Dec 2007 / Mortgage Stuff / 11 Comments

This is an extension to a previous article I wrote on ‘The Benefits Of Paying Your Mortgage Off Early‘. Making overpayments on your mortgage is a great way of reducing [...]

The Basics Of Mortgages And Interest Rates

04 Dec 2007 / Mortgage Stuff / 0 Comments

I’ve said it before and i’ll say it again (until I’m blue(r) in the face), a mortgage can ultimately determine the success or failure of a property investment. My point [...]

The Importance Of Remortgaging

22 Nov 2007 / Mortgage Stuff / 0 Comments

I personally believe that the quality and suitability of a homeowner’s mortgage is the second biggest factor that will ultimately determine the success of a property investment, especially with buy [...]

I Can’t Afford My Mortgage Payments, What Can I Do?

30 Oct 2007 / Mortgage Stuff / 3 Comments

Coming to terms with the fact that mortgage payments are no longer realistically possible to maintain is an extremely important step to take. People see it as “defeat”, and it’s [...]

Using Credit Cards To Pay Your Mortgage

29 Oct 2007 / Mortgage Stuff / 1 Comment

I recently read a report on The Guardian, which said that more than a million householders have been using credit cards to pay their mortgage or rent. The data was [...]

Switching From Repayment To Interest-only Mortgages

22 Oct 2007 / Mortgage Stuff / 0 Comments

Most mortgage lenders allow a borrower to change between interest-only and repayment methods at any point during an exiting policy. For example, if you have an existing mortgage policy that [...]

Benefits Of Paying Your Mortgage Off Early

01 Oct 2007 / Mortgage Stuff / 0 Comments

A mortgage is probably the biggest financial expenditure for the average person. A mortgage can be a lifetime commitment. That’s a real bitter pill to swallow- knowing you’ll be paying [...]

Mortgage Calculator

30 Sep 2007 / Mortgage Stuff / 4 Comments

Here’s a useful tool that calculates how much a monthly mortgage would cost if you enter real or hypothetical scenerios- useful for planning if you’re thinking of getting a mortgage [...]

Shit, I Have A Mortgage With Northern Rock!!!!

17 Sep 2007 / Mortgage Stuff / 14 Comments

A million fucking mortgage lenders out there, and I end up with the one that lands into financial difficulties; what are the chances? For those who have been living under [...]

What Is A Tracker Mortgage?

31 Aug 2007 / Mortgage Stuff / 0 Comments

Trackers mortgages, also known as “rate tracker mortgages”, are mortgages that track the movement of a rate, usually the Bank of England base rate. For example, you could get a [...]

Offset Mortgages

29 Aug 2007 / Mortgage Stuff / 0 Comments

What are Offset Mortgages? Offset mortgages are fairly new in the UK; the idea was launched in 1994 after they gained popularity in Australia. They’ve been becoming increasingly popular to [...]

Using A Residential Mortgage For a Buy-To-Let Property

15 Aug 2007 / Mortgage Stuff / 0 Comments

It’s not unheard of, in fact, it’s common practice for many landlords to have a residential mortgage for a property they’re letting out, while they’re actually meant to have a [...]

Facts About Interest Rates

14 Jun 2007 / Mortgage Stuff / 0 Comments

Who determines interest rates? The Bank of England’s Monetary Policy Committee (MPC) decides the fate of interest rates. They meet up every month and decide what the rates will be [...]

Tips On How To Reduce Mortgage Payments

18 May 2007 / Mortgage Stuff / 0 Comments

Are you struggling to keep up with your monthly mortgage payments? Perhaps there are steps you can take to reduce the monthly cost to make your finances more manageable. Here [...]

How To Improve Your Credit Rating

20 Feb 2007 / Mortgage Stuff / 0 Comments

A good credit history has never been as important as it is today, especially when applying for a loan like a mortgage. Different companies and institutions measure credit ratings based [...]

Risks involved with Mortgages

14 Jan 2007 / Mortgage Stuff / 0 Comments

Before contemplating the idea of getting a mortgage, it’s important to familiarise yourself with the potential risks involved so you can decide whether it actually is currently the right step [...]

Interest-only Vs Repayment Mortgages

13 Jan 2007 / Mortgage Stuff / 0 Comments

There are generally two methods of repaying the amount you have borrowed from your Mortgage lender- the “repayment” option, and the “Interest-only” option. Repayment Mortgage: With this option your monthly [...]