Money and Debt

UK bodies that regulate the banks, building societies, credit unions, insurers and major investment firms:

The Prudential Regulation Authority (PRA) 

The Financial Conduct Authority (FCA)

The Financial Ombudsman Service (FOS)

The Financial Services Compensation Scheme

The Money Advice Service offers free financial advice to members of the public.

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Mortgages

Mortgages

AN INTRODUCTION TO MORTGAGES

A mortgage is a loan taken out from a bank or building society to help pay for a property or land. The loan is secured against the property so if you don’t repay the loan as agreed, the lender can take possession of the property and sell it to recoup …

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Mortgages

TYPES OF MORTGAGE

There are two main types of mortgage – Repayment mortgages and Interest-only mortgages. Within these two methods, there are a number of different options and products that can be used.

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Mortgages

CHOOSING A MORTGAGE

Choosing between different mortgage lenders and their products will largely depend on your personal and financial circumstances. There are many different factors you should take into account before deciding the way forward.

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Mortgages

APPLYING FOR A MORTGAGE

To apply for a mortgage, you’ll need to complete an application giving details of your employment, income and financial commitments. The lender will run credit checks on you and will use this information to decide how much they are prepared to lend you in principle.

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Mortgages

HOME OWNERSHIP SCHEMES

If you live in England and can’t afford to buy a home, you may be able to get some financial help through one of a range of Government backed home ownership schemes. If you are a “key worker” you may also qualify for help to buy a home under special …

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Mortgages

REMORTGAGE

Switching mortgages, or remortgaging, involves moving from one mortgage to another. You may choose to remortgage for various reasons, usually to reduce the overall monthly mortgage payment amounts.

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Mortgages

EQUITY RELEASE SCHEMES

If you are retired or close to retirement (over 55) and own your own home by using an Equity Release Scheme you can release money tied up in your house to supplement your income, undertake home improvements or pay for long term care.

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