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Respect Mortgages - Be In The Know Blog


respectmortgages.co.uk
www.respectmortgages.co.uk is a free resource of information, guides, calculators and tips that cover all types of mortgages and secured loans. The site is constantly updated with interesting and engaging content that can help borrowers at all stages of their mortgage journey.
Can I Extend My Mortgage Term?
2024-05-21 21:16
A mortgage term is simply the length of time you have to repay your home loan. In the UK, this typically ranges from 25 to 35 years. While this might seem set in stone, it is possibl… Read More
What Is An Enhanced Lifetime Mortgage?
2024-05-21 11:01
An enhanced lifetime mortgage is a type of equity release plan designed specifically for UK homeowners aged 55 and over who have certain health or lifestyle conditions. Unlike standar… Read More
What Is A Hard Credit Search?
2024-05-20 13:36
A hard credit search is a comprehensive review of your financial past, conducted by a lender or company when you apply for credit, such as a loan, credit card, or mortgage. It’s a… Read More
What Information Is On A Credit Report?
2024-05-20 12:06
Your credit report is a comprehensive record of your financial history, a bit like a financial CV. It contains details about your borrowing and repayment behaviour, providing a snapsh… Read More
Buying A House With A Lifetime Mortgage
2024-05-14 13:54
Have you ever dreamt of a fresh start, a change of scenery, or perhaps a home better suited to your needs as you get older? Securing a traditional mortgage later in life can present c… Read More
What Is Drawdown Equity Release?
2024-04-24 15:28
Drawdown equity release could be a suitable way to unlock the value tied up in your property without having to sell your home. It’s a type of equity release that offers a more f… Read More
What Can You Use Equity Release For?
2024-04-24 13:45
Many homeowners turn to equity release as they approach or enter retirement. Even if you feel comfortable with your overall assets, you might find yourself “asset-rich but cash… Read More
Do You Have To Pay Tax On Equity Release?
2024-04-21 21:12
As you get older, your financial needs and goals might change. If you own your home, equity release could offer a way to unlock some of the value you’ve built up over the years.&nb… Read More
Can You Do Equity Release More Than Once?
2024-04-19 11:13
When starting a new equity release plan borrowers accept that this will be with them for the long term. It’s a convenient way to access some tax free cash from your home, allowing… Read More
How Do Joint Mortgages Work?
2024-02-28 15:48
By taking a mortgage out with someone else you you can combine your incomes to potentially borrow more than you could on your own, making that step onto the property ladder a bit more ma… Read More
What Is A Consumer Buy-to-let Mortgage?
2024-02-26 13:27
Becoming a landlord unexpectedly can be overwhelming. Whether you’ve inherited a property, need to relocate temporarily, or your living situation has changed, you might be consi… Read More
A Guide To Short Term Mortgages
2024-02-09 09:34
Mortgages are often set up over 25 years (or longer). If you like the idea of paying off your mortgage sooner than this, then perhaps a short-term mortgage could be worth looking at… Read More
Is A Marathon Mortgage Right For You?
2024-02-05 09:59
There’s a growing trend towards longer, marathon mortgages, that spread the cost of a mortgage over 35 or even 40 years. The extended mortgage term brings down the monthly cost… Read More
How To Get A Mortgage With No Deposit
2024-01-14 14:42
Affordability can be a huge barrier to getting onto the housing ladder. If you are struggling to save up the 5% deposit that most lenders ask for, then perhaps a no deposit mortgage c… Read More
Switching To A Buy To Let Mortgage
2024-01-12 16:38
So you want to swap your residential mortgage for a buy to let? Renting out your own home is an option that many people turn to when their personal circumstances change. It allows an… Read More
How To Get A Mortgage With A High Deposit
2024-01-10 19:28
Higher mortgage deposits start at around 25% of the property value. But does having a bigger deposit mean you will get a better deal? Do you still need to provide loads of paperwork a… Read More
How To Get A Mortgage With A Low Deposit
2024-01-10 14:54
If you are saving up to buy a house you will know that getting on to the property ladder is not easy. One of the main challenges is getting a deposit together. In these situations… Read More
The Mortgage Guarantee Scheme Explained
2024-01-09 18:00
If you’re dreaming of moving home but find the idea of saving for a large deposit overwhelming, this scheme might be a perfect fit for you. In this guide we walk you through the… Read More
What Is A Family Deposit Mortgage?
2024-01-03 13:59
Buying a home in the UK can be tough these days. With house prices going up and living costs getting higher, saving enough money for a regular mortgage deposit is really hard for a lo… Read More
What Is A Mixed-use Mortgage?
2023-12-31 15:32
Mixed-use mortgages are specifically tailored for properties that serve both residential and commercial purposes – think of a building with a shop, restaurant, or office on the gro… Read More
What Is A Gifted Deposit?
2023-12-22 22:29
Saving a deposit for a home is an enormous challenge for any would-be first time buyer. UK house prices keep rising, and so deposit levels have to increase to keep up. It’s n… Read More
How Does Porting A Mortgage Work
2023-12-17 16:55
Porting a mortgage is the process of moving home and taking your mortgage with you. In reality you will take your mortgage interest rate with you, not the actual mortgage. There is a… Read More
What Is A Portfolio Landlord?
2023-11-20 15:22
If you’re a landlord with an eye on expanding your property portfolio, it’s essential to understand what it means to be a ‘portfolio landlord’ and how this status… Read More
What Is A Mortgage Exit Fee?
2023-10-31 20:36
Borrowing money can be an expensive game. But it’s not just the mortgage interest rates that you need to look out for. There’s a whole bunch of fees that you might need t… Read More
What Is A Family Offset Mortgage?
2023-10-18 13:01
If you are looking to buy a home but don’t have enough deposit yet, then a family offset mortgage could help you out. These are popular with first-time buyers, but available to… Read More
Can You Remortgage And Add A Name?
2023-09-27 16:37
If you currently own your home by yourself, you may be wondering if you can remortgage to add someone else’s name to the mortgage. This could be a partner or a friend. The quic… Read More
Can You Get A Mortgage For Land?
2023-09-26 20:58
Land mortgages do exist, but there’s only a small pool of lenders in this market. A mortgage for land can help you to self-build your dream family home, purchase a smallholding… Read More
How Does Level Term Life Insurance Work?
2023-09-26 09:58
Trying to get to grips with the different types of life insurance can be a real bind. There’s no shortage of jargon or confusing terms: sum assured, terminal illness, term assu… Read More
Does Life Insurance Have To Pay Off Debt?
2023-09-24 19:51
Most of us have some type of debt, some more than others. But have you ever considered what would happen to these debts should you die? If you also have a life insurance policy it se… Read More
2023-09-24 14:24
The world of insurance is not short of jargon! However, it’s helpful to have some understanding of these phrases, especially when they directly impact the benefits you or your… Read More
Can You Change Life Insurance Companies?
2023-09-24 13:43
Want to switch your life insurance policy? Perhaps you want to adjust your cover and are wondering if you should change company at the same time? You might change your mortgage lende… Read More
How Does Decreasing Life Insurance Work?
2023-09-19 13:55
If you currently have a repayment mortgage then you may already have decreasing life insurance, or at least been given some information on it. But how does a decreasing life policy w… Read More
How Does Family Income Benefit Work?
2023-09-19 08:59
Ever heard of an insurance plan that gives your family a monthly income instead of a one-off payment? That’s Family Income Benefit (FIB) for you. It’s a unique way to… Read More
What Is Terminal Illness Insurance?
2023-09-17 20:56
‘Terminal illness’ is a frightening topic. While many might shy away from it, it is an essential part of financial planning. It offers a safety net during some of life&rs… Read More
How Does Mortgage Life Insurance Work?
2023-09-17 18:29
Mortgage life insurance is used to pay off your mortgage if you die. So your loved ones can keep their home and won’t be left with mortgage repayments they can’t afford… Read More
What Is A Further Advance Mortgage?
2023-09-06 08:58
Are you a homeowner looking for extra funds to invest in your property or consolidate debt? A further advance mortgage might be the solution for you. With this type of loan, you can… Read More
What Is A Higher Lending Charge?
2023-09-05 09:06
Researching mortgage options and fees can be a confusing task, especially for first-time homebuyers. One term that often pops up but is rarely understood is the Higher Lending Charge… Read More
What To Do If Your Mortgage Is Declined
2023-08-05 21:27
If you have recently had a mortgage application rejected or are concerned about being declined, then this guide is for you. Mortgage rejections do occur all of the time and for many… Read More
What Is A Subprime Mortgage?
2023-08-02 15:41
If you’re reading this, chances are you’re on the hunt for a new mortgage, but maybe your credit history has seen better days. Don’t worry. This is quite a common s… Read More
What Is A Mortgage Retention?
2023-07-28 15:26
So you are trying to buy a property but the lender has slapped a ‘mortgage retention’ condition on the mortgage offer. Because of this they can’t give you the full mortg… Read More
How Long Does It Take To Remortgage?
2023-07-26 13:22
Whatever your reason for remortgaging, you are probably wondering how long it will take. When you remortgage you move your loan from one lender to another. This can enable you to swi… Read More
What Are Later Life Mortgages?
2023-07-24 13:01
Later life lending is used to describe mortgage borrowing after the age of 55. You may, or may not, have plans to retire. But after 55 the mortgage lending landscape changes, and whi… Read More
Mortgages For Pensioners
2023-07-19 13:17
It’s not uncommon to need a mortgage during retirement and there are mortgage options available for pensioners. Although some lenders do have their own maximum age limit, there… Read More
What Is A Debt To Income Ratio?
2023-07-16 21:05
When you apply for a mortgage the lender will undertake various checks, to assess your credit worthiness and affordability. One of these is a debt to income ratio calculation. This i… Read More
What Does Debt Consolidation Mean?
2023-07-14 09:02
We will all borrow money at some point in our lives. This could be on a credit card, personal loan or maybe a mortgage or car finance. Occasionally, these debt repayments can overwhe… Read More
What Is An Equitable Charge?
2023-07-05 11:41
When it comes to securing loans, the terms ‘first charge’ and ‘second charge’ are often thrown around. But did you know there’s another type of charge t… Read More
Mortgages For Over 50s
2023-07-03 18:50
It’s understandable to have some concerns about obtaining a mortgage when you’re over 50. While it’s true that lenders become more cautious about repayment as retir… Read More
Mortgages For Over 60s
2023-07-03 18:49
If you’re considering remortgaging your current home or obtaining a mortgage for a new property in your 60s or above, you may wonder how easy this is to accomplish. It’s… Read More
Mortgages For Over 70s
2023-07-03 18:48
If you’re looking for a new mortgage in your 70s or above, you may wonder how easy this is to accomplish. It’s understandable that many individuals in the 70+ age group h… Read More
What Is A RIO Mortgage?
2023-06-30 14:21
Are you planning for your retirement and exploring your mortgage options? If so, you’ve probably come across the term ‘RIO mortgage’. But what exactly is a RIO mort… Read More
How To Get Mortgage Ready
2023-06-21 08:13
Getting your finances in order before applying for a mortgage is one of the best things to do. Whether you are buying your first home or thinking of moving somewhere new, there are a nu… Read More
What Does A Conveyancer Do?
2023-06-09 07:32
If you’re stepping into the UK property market, whether you’re buying your first home or selling a property, it’s a journey filled with excitement and anticipation… Read More
What Documents Do I Need To Remortgage?
2023-06-02 22:14
If you’re a homeowner considering your mortgage options, you might be thinking about remortgaging. Remortgaging can offer several benefits, such as potentially lower interest r… Read More

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