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Group: Mortgage FAQs

Do all mortgages have to be over a 25-year term?

Mortgages are often taken out over a ‘standard’ 25-year term, but lenders will usually allow you to borrow over a shorter or longer term. By extending the term, the payments are lower, but it will take longer to pay off your mortgage. If you are less than 25 years...

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How much can I borrow?

Most lenders will typically offer up to four times the main earner’s income, or slightly lower multiples of joint income. Other lenders will look at ‘affordability’, basing their lending decision more on your credit history/credit score and your net pay after your...

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What is a Mortgage?

A mortgage is a long-term loan secured on your home. ‘Secured’ means that, if you don’t keep up the repayments, the lender can repossess your home and sell it in order to get its money back.

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