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Joseph Kenny's Articles in Mortgages


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Adjustable Rate Mortgages vs. Fixed Rate Mortgages Buying a home can be an exciting and stressful time for anyone. While you may be excited at the prospect of owning your own home, especially if it is your first home purchase, the idea of choosing between all of the many different types of mortgages may leave you feeling confused and apprehensive. Two of the most common choices you’ll find in the mortgage market are adjustable rate mortgages and fixed rate mortgages. Fixed rate mortgages are the most traditional type of ho... Are Interest Only Mortgages A Good Option? Around 1 out of ever 5 mortgage borrowers last year elected for an interest-only mortgage scheme. Of these, approximately 30% were new first time house buyers. “So what?”, you may be saying. And here’s the problem: in almost every single case where a borrower has elected to purchase a home with an interest-only mortgage, the scheme was one that was advised to them by a mortgage broker. In nearly every single case, the borrower was not required to show that they could repay... Are Long Term Mortgages For You? The various ways of getting a house these days has definitely become easier, along with the way that it can be paid back. Traditionally, a mortgage on a house meant a maximum of 25 or 30 years before amortization. New mortgages, however, are going way beyond the more traditional limits and are pushing it back to 40 and 50 years. Here are some things you need to know about long term mortgages. Reduced Payments Because the payments are now stretched out over a much longer... Balloon Mortgages Explained A balloon mortgage is a loan that is provided for a short period of time for a set amount of money. Balloon mortgages will often involve periodic payments that are made at a fixed interest rate. During this period, the loan may not be amortized. The balance of the loan has to be paid in full at a specific time. Another feature of balloon mortgages is that they will combine many of the features seen in adjustable rate mortgages and fixed mortgages. The interest rate will re... Basic Mortgage Terms If it is your first time applying for a mortgage, there are a number of terms you should know. Educating yourself on the various mortgage terms you will run into will help you make better decisions when deciding which home you want to purchase. When you sign a mortgage contract, your home is used for collateral and it is your responsibility to make sure your payments are made on time each month. The first term you should know is principal. The principal is basically define... Buy To Let - The Pitfalls Taking on a property in addition to your home can be a time consuming and complex matter. Before you become a landlord (or lady), make sure you’ve thought it through! Tenants While you may be lucky and find the perfect tenant by chance, it’s a good idea to interview potential tenants first. You can ask for references from previous landlords or employers to reassure yourself that they are trustworthy and solvent. While students provide a large part of the tenant market, ... Comparing Mortgage Lenders When it comes to mortgage lending, checking and comparing the different lenders is the most difficult task. There are a number of charges applicable though, for every step of the procedure involved. Mortgage packages include the opening and closing costs, the quoted rates and the interest applicable. It is necessary to investigate the Mortgage Insurance, credit and cash reserve, lock-in period and the floating interest, before making a final decision. Thorough research is ver... Estimating The Cost Of Your Mortgage With A Mortgage Calculator If you are researching mortgages online, it is likely that you will come across a thing known as a mortgage calculator. Mortgage calculators can be found on a number of websites. Many of these websites are run by mortgage lenders and others are run by those who just wish to supply internet users with valuable information. If you have never used a mortgage calculator before, you may be wondering exactly what one can do for you. Mortgage calculators are calculators that are ... First Time Buyers - Working Your Way Up The Property Ladder You’ve moved in, you’re paying your mortgage; you’re ready to finally breathe out…Congratulations! You are now a homeowner, and should be enjoying the change. Now you’re firmly on the property ladder, you can start to make the most of your new status. With sound judgement and a little luck, the next move you make will be up the way. While the economy is stable and house prices continue to rise, your property will be gaining value year on year. The difference between what y... First Time Buyers Beware Although it’s a big undertaking, buying your own home is one of the wisest moves you can make. Rather than pouring money away on rent, you will effectively be investing in your property with every mortgage payment. You will also become a ‘homeowner’, which should please your bank manager no end. You may find offers of loans and credit suddenly become a lot more frequent, and when you’ve just moved into a new home it can seem tempting to borrow money to kit the place out. B... First Time Buyers Mortgage Application Checklist If you have a dream about owning your own home and applying for a mortgage then you may be a bit nervous at the present moment. While having your own home is the American dream the high prices involved can be overwhelming. In addition to this, many lenders will be more concerned with earning a profit than with helping you find a home that matches your income. Below are some steps you can take to properly apply for your first mortgage. Applying for a mortgage used to be sim... Fixed Rate Mortgages – Know Your Rate! Nothing is ever certain in the world of finances, and there’s no way of predicting how the market will change in the future. However, if you want to be able to plan your budget precisely, then a fixed rate mortgage might be the right option. The repayments will be fixed for a set period of time – usually between the first one and five years of your mortgage, so you can be sure that any rises in the interest rate will not affect you. The term the rate remains fixed can be as l... How To Choose The Best Mortgage A mortgage is a financial investment which involves a large amount of money, and it is important for you to do your research before deciding which company you want to go with. While many mortgage professionals are honest, they are looking for a large commission in helping you obtain a loan, and will often look out for the best interests of their job rather than you. Because of this it is important to take the steps necessary to insure you get the best possible deal. How Is... How To Pay Off Your Mortgage Loan Faster It is the dream of most homeowners to pay off their mortgage as soon as possible. Paying off your mortgage will give you a great sense of security and freedom. However, homeowners should be cautious when attempting to pay off their mortgage early. You want to make sure you have a sufficient income, and are able to avoid debt. You should also have money for emergencies. There are also a number of reasons why you may not want to pay off your mortgage early. If you have a hig... Interest Only Mortgages Interest only mortgages have become more and more popular in the past few years – probably as a result of the rise in house prices. With this type of loan, you pay off only the interest, so that your monthly repayments are lower than they would be with a capital repayment mortgage. At the same time, you invest money in a separate savings scheme, and at the end of the term (usually 25 years), use the investment from the separate scheme to pay off the capital cost of your ho... Interest Only Mortgages - What You Need To Know Before Obtaining One Buying a home is a dream that just about everyone has. Unfortunately, many individuals are unable to afford a home without assistance. Even with financial assistance, in the form of a mortgage, there are still many individuals who find it difficult to own their own home. In recent years, the popularity of interest only mortgages has increased. Interest only mortgages are often viewed as a way to save homeowners money, but are they really? Interest only mortgages are just w... Is A Reverse Mortgage Right For You? In the last few years reverse mortgages have been growing in popularity among the elderly. While there are numerous advantages associated with reverse mortgages there are also disadvantages as well. Before you take out a reverse mortgage, be sure you have the whole story. First, understand what is involved in a reverse mortgage. Basically, this type of mortgage allows you to transfer a portion of your equity into cash without the need to take on an additional monthly bill,... Making UK Mortgages More Accessible Previously, in the UK, if you wanted to apply for a mortgage to buy a new home, the amount that would be lent to you would be automatically tied to how much money you earned. With runaway UK housing prices over the last decade, and with incomes remaining fairly stable, this method of calculating how much you could borrow on a mortgage has become out dated. Today, many new home buyers need to look for more creative ways to borrow money if they want to buy a new home in Britain... Mortgage Brokers – What Are They? A mortgage broker is an individual which acts as a middle man between lenders and borrowers. A skilled mortgage broker can look at a variety of different loans to find one which suits the needs of the borrowers. Once they have found a mortgage which meets the needs of their clients, they are then paid a fee which is a percentage of the money loaned. What Is A Mortgage Broker’s Purpose? If you don't have the time to look for a good mortgage, a mortgage broker can assist ... Mortgage Lenders – Making The Right Choice Walk into any high street bank or building society and mention that you’re looking for a mortgage, and you’re likely to be bombarded with leaflets, if not hurried into a private office to meet their mortgage advisor. Mortgages are big business – and every large financial institution will offer several types of loan for buying property. It’s a good idea to check out as many different lenders as possible before making a decision – experts repeat the phrase ‘shop around’ like... Mortgage Lenders – Your Options Finding your dream home is usually the simplest part of the house buying process! Once you see somewhere you want to put in an offer for, you’ll want to move fast. It helps, therefore, to have your mortgage sorted before you find somewhere you want to buy. You can choose a lender and mortgage, apply for the loan and get your mortgage ‘approved on principle’ before you even start looking for a house. This means that you know what your budget will be and can be fairly certai... Mortgage Length – Calculating Which Is Best For many people, purchasing a home is one of the largest and most important investments they will make after their education. It is important to make sure you choose the right mortgage, one you will be able to pay off within a reasonable amount of time. You also want to make sure you choose a mortgage which has the right length of time. The length of your mortgage should depend on your financial circumstances. It should also depend on your future goals. How much can you af... Mortgages And Home Financial Planning Buying a property is likely to be the largest purchase you ever make – finding the right deal for you means choosing one mortgage from the many hundreds available. This will be much easier if you know what you’re looking for. What’s Your Status? Depending your life situation, age, income and financial status, you will need different things from your mortgage. Whether that’s flexibility, low rates or security, take the time to have a good look at where you are now, and w... Online Mortgages – Get Wise To The Web The boom in online banking and the success of some of the bigger online banks looks likely to revolutionise the way we manage our finances. Mortgages are no exception – now that virtually all lenders have an online presence and many will allow you to access your account on the web, new innovations are making mortgages ever more flexible and can offer fantastic deals for borrowers. Finding information on the web is one of the easiest ways to compare mortgages. A good source... Re-Mortgaging – The Benefits Banks are reporting that the numbers of customers re-mortgaging their properties is at its highest ever. Most of these customers are seeking to take advantage of two important trends in the economy. The first is that lower interest rates, and increased competition among banks and financial institutions is leading to better and better deals being available on the market in general. The second is that most borrowers’ financial situations have improved dramatically since they ha... Remortgages - Worth The Switch? It’s becoming more popular to remortgage your house these days – all this means is switching to a different mortgage and sometimes a different lender to take advantage of a better deal. If your circumstances have changed since you first took out your mortgage, you may find you want to switch to a new mortgage that better suits you. Likewise, if you chose a mortgage with a special rate for the first few years, once it reverts you’re paying more than other mortgages. So it c... Second Mortgages Or A Further Advance If you are a homeowner and in need of some extra cash, one possibility you could consider is taking out a second mortgage. If the present value of your house exceeds the amount you paid for it (your mortgage total), then you have equity that can be used to borrow more money. This is basically a loan that is secured on your house – and is sometimes termed a further advance. Finding Another Lender? You can approach your existing lender for a second mortgage, or shop aroun... Self Certificate Mortgages – Prove Yourself! Bank managers are probably the most risk-averse individuals you are likely to meet – without proof of a regular salary and sound financial track record you may presume a frosty reception when you ask about borrowing. However, there are options available for people who don’t conform to the norm. If you are self-employed or have an erratic income, you can consider a self-certified mortgage. As the overall mortgage market has become more flexible and competitive in the past f... Spanish Mortgages - Widen Your Horizons Ever dreamed of running away to live in the sun? Whereas people used to aspire to a second home in a seaside resort, thousands are now looking further afield to find their dream lifestyle. It’s a seductive image – sunny weather, relatively cheap property, and with low-cost flights running several direct flights a day from the UK and easy to get to. You may want to retire to the Med, or you may want a holiday home with sunshine virtually guaranteed. Either way, the market i... Spanish Mortgages Explained Does the thought of negotiating a property deal in Spanish bring you out in a cold sweat? The complexities of mortgages are confusing enough; let alone considering a different language and legal system. Never fear though, as there are experts who can guide you through the process and do the negotiating on your behalf. Most will speak fluent English, and have a thorough knowledge of the Spanish market and house-buying process. As it has become more and more popular to buy a... Sub Prime Lenders - Get A Mortgage With Bad Credit Even if you have a bad credit rating, you may be pleasantly surprised to know that there is a whole sector catering specifically for you. There are brokers who specialise in clients with adverse credit, and can help you find a mortgage deal. You will probably find that you will have to pay more interest than you would on other mortgages – if you have a poor credit history you represent more of a risk to the lender. Ironically, this is the reason why the ‘bad credit’ sector... The Best Mortgage Deal Ever? From a cursory survey of websites and brochures, you’ll see a myriad of different types of mortgage. The mortgages explored so far are a basic overview – you’ll find any amount of types – some combining several features and with added incentives to tempt you. Basically, if you can imagine a mortgage, it probably exists. So, after doing your homework and boning up on mortgage terminology, how do you finally choose? Which deal is the best on the market today? The truth is... The Effect Your Credit Will Have On Your Mortgage Your credit score is important. You have likely been told in the past that your credit can have an impact on a number of things, mostly obtaining financing. If you are interested in buying a new home, you will likely need to obtain a mortgage. Mortgages, like all other loans, require approval. Your credit will play a major role in whether or not you will be approved for a mortgage. The most important impact your credit will have on obtaining a mortgage is your approval. Wh... Tips To Avoid Gaining A Bad Credit Rating With Your Mortgage While having your own home is an important part of your financial picture, too many people make decisions without thinking things over. Many people have what I would like to call a "pie in the sky" view of life. They tend to think that when things are going well it will always be that way; this is not always the case. Making a mistake with your mortgage is a fast way to end up with terrible credit. When some people find that they qualify for a mortgage, they make the mista... Tracker Mortgages – Are They Worth The Gamble? How well do you know the money market? A tracker rate mortgage has a variable rate, usually a set percentage above or below the Bank of England’s base rate. The arrangement is for a specified period of time, generally the first few years of your mortgage. Your monthly payments will move up and down according to the fluctuations of the base rate. One of the advantages of a tracker is that your interest rate is ‘tied’ to the Bank of England’s, not your lender’s SVR. This mea... UK Mortgages - Need To Know Information Whatever stage of the mortgage game you’re at, unless you happen to be a qualified financial advisor, solicitor and broker all rolled into one, you’ll need professional help to find and arrange your loan. This guide presents some basic information on mortgages, but you’ll need to take specialist advice for your individual circumstances. Having a general awareness of the processes involved and an idea of what’s available to you should help you to make the right decision whe... Understanding Mortgage Basics Being able to buy that house you have always wanted probably means that you will need to get a mortgage. Another word for a mortgage is loan - which you usually get from a bank or other lending agency. Since most people are not able to buy their house with cash, a loan is the most common practice. Here are some things to help you understand mortgage basics. Length Of The Mortgage The size of a mortgage makes the length necessarily longer. Common lengths of mortgages can... Variable Rate Mortgages – Setting The Standard Here’s the first mortgage term you should learn – Standard Variable Rate, or SVR. This is the interest rate you will be paying on the total amount you are borrowing. It is usually expressed as a percentage, and is different from an APR (Annual Percentage Rate). An APR includes all costs associated with the loan, such as interest, fees, any compulsory insurances etc. While interest rates can vary quite widely across the board, all lenders will have a Standard Variable Rate.... What Are Bad Credit Mortgages The primary difference between a bad credit mortgage and a normal mortgage is that a bad credit mortgage is typically given to people who have a history of bad credit. Many people end up with bad credit due to bankruptcy, not making loan payments, or other issues. Others are taken to court or have been reported to credit agencies. These mortgages are also known as credit impaired mortgages or a poor credit mortgage. Because the competition between banks is fierce, many ins... What You Need To Know Before Refinancing Your Mortgage Today it is becoming more and more popular to refinance your original mortgage. But, is this right for you? How do you know whether you’re taking advantage of a great deal or letting yourself in for financial problems? Read on for tips to help you make an educated decision. First, understand that refinancing your mortgage means you take out a new loan on the amount of money you owe on the existing mortgage based on new terms and pay off the old loan with the proceeds from ...

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