Mortgage Affordability Calculator

Follow this link to use a calculator that will work out how much a typical mortgage lender might be willing to lend to you, based on your monthly take home pay and any existing loan/credit card commitments. Source: www.rightmove.co.uk … [Read more...]

Paying Off Mortgage Before Retirement Not Always Best Decision

Q. I can’t stand my job and the only thing keeping me going is my plan to get out of here sooner than later. I plan to retire in five years at age 58. I may find some other type of work but I want to be able to retire based on no income from a salary. I have run some numbers and I think I can do this if I pay off my mortgage before I retire. My current mortgage balance is $75,000 and my interest rate is 3.75 percent. I figure a little more than $600/month added to my mortgage payment will be … [Read more...]

6 Tricks To Getting A Great Mortgage Rate

Getting a great rate on a mortgage is about a lot more than comparison shopping. It’s also about much more than just your credit score. In fact, the mortgage industry examines a number of factors to determine not only if you qualify for a mortgage, but also what interest rate you’ll pay. There’s a lot at stake. Mortgage rates can vary by several percentage points depending on the factors we’ll look at below. The difference can mean a much higher or lower monthly payment and tens of … [Read more...]

Over 40s Being ‘Frozen Out’ of Home Loans

Home buyers over the age of 40 are increasingly being "frozen out" of mortgages, the industry is warning. New rules mean that lenders are now restricting loans to anyone who will still be paying off their mortgage by the time they retire.   And yet many people cannot afford to buy a home until they are 40 or even 50, say some of the largest lenders. Under a standard 25 year term, a 45 year-old borrower would be 70 before the loan was paid off.   The new rules - known as the Mortgage … [Read more...]

How to Finance a Vacation Home

Economists looking for further proof of a robust vacation-home market should head to New York’s tony Hamptons. “In our market, $1 million is low-end, and the high end is $10 million-plus,” says Diane Saatchi, an associate real-estate broker with Bridgehampton, N.Y.-based Saunders & Associates.   In the U.S., vacation-home sales jumped over 50% in 2014, up from 717,000 homes in 2013, according to preliminary data from the National Association of Realtors (NAR), a trade group. And … [Read more...]

6 Fees to Look Out for When Buying a Home

 Let’s cut to the chase. Obtaining a mortgage to buy a home, or to refinance one you already own, is not cheap. No two ways about it, acquiring property is going to cost you some bucks. However, knowing ahead of time what fees lenders charge — including both upfront and later in the transaction — can help ensure you’re getting a fair and competitive loan offer. Here are the fees you'll likely have to pay upfront and at closing.   Upfront Fees   There are fees you’ll need to pay upfront … [Read more...]

Open the Door to Better Mortgage Deals With a 10% Downpayment

First-time buyer Derek McGair saved hard to put down a bigger deposit – and get a better mortgage rate – when he bought his home. Ten is the perfect number if you are moving on to – or up – the housing ladder this spring. This is because your monthly payments will be far lower if you can find a 10 rather than a 5 per cent deposit.   ‘There has been a lot of talk about how many 95 per cent mortgages there are for buyers or movers with low deposits,’ says Anthony Ray, of Ipswich-based … [Read more...]

12 Ways to Get the Lowest Mortgage Refinance Rates

If you’re considering refinancing your mortgage, you’re likely to be looking for the lowest possible mortgagerefinance rate. Before you start shopping around for the lowest rates, you should establish your objectives and prepare your finances to improve your chances of qualifying for the lowest interest rate.   “First, figure out the best loan product to meet your financial goals, and then you can start looking for the most competitive mortgage rates,” says Michael Jablonski, executive vice … [Read more...]

7 Tips for Establishing Qualifying Credit for Home Equity & Mortgage Loans

According to Experian, a credit score is a number lenders use to help them decide: “If I give this person a loan or credit card, how likely is it I will get paid back on time?” The information from your credit reports is used to create your credit score. Your credit score will always be a key ingredient for low interest rates when qualifying for a mortgage or home equity loan.   Before getting a line of credit, get your free credit report from each of the three major credit reporting agencies … [Read more...]

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