Our knowledge of mortgages
The world of mortgages is constantly changing. We share our knowledge of mortgages, current developments, common terms, and answers to frequently asked questions about mortgages.
Employer’s statement
An employer’s statement is a document in which your employer confirms your income and employment....
Loan-to-value (LTV)
Loan-to-value is the ratio between your mortgage and the market value of your home. The...
Starter’s exemption
The starter’s exemption means you pay no transfer tax when you buy your first home....
Bridging loan
A bridging loan is a temporary loan that lets you use the surplus value of...
Remortgaging
Remortgaging means replacing your current mortgage with a new one, often with a lower interest...
Test rate
The test rate is the interest rate the lender uses to calculate how much you...
Binding mortgage offer
A binding mortgage offer is the final offer from the lender, setting out the interest...
Maximum mortgage
Your maximum mortgage is the highest amount you can borrow for a home. It depends...
Financing condition
A financing condition is a clause in the purchase agreement that lets you cancel the...
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