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Group: Mortgage FAQs

What is an offset mortgage?

An Offset Mortgage works by ‘offsetting’ a mortgage borrower’s savings against what they owe on their mortgage, which has the effect of reducing the overall amount of interest that they pay. For example: A Borrower has a £100,000 mortgage and also has £20,000 in...

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I’m a PhD student, can I get a mortgage?

Yes. Stipend income is usually paid to those working towards a PhD or completing research for a university.   There are a number of lenders which will lend to PhD students earning a stipend income, providing they are purchasing a property jointly with another...

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What does Loan to Value (LTV) mean?

Loan to value, or LTV, is a calculation which expresses the value of your mortgage as a percentage of the value of your property: loan / value x 100 = LTV % The LTV is important, because across the mortgage market, lower interest rates tend to be offered to those with...

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