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<%
Set Conn = Server.CreateObject("ADODB.Connection")
Conn.Provider = "Microsoft.Jet.OLEDB.4.0"
Conn.ConnectionString = "Data Source=" & Server.MapPath ("bb.mdb")
Conn.Open
Set Rs = Server.CreateObject("ADODB.Recordset")
Rs.Open "SELECT * from tblBestBuys where kRef LIKE 'X%' AND Date_Archived IS Null", Conn, 1,3
do while not rs.EOF
%>
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Mortgage Bestbuys |
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| Call Back | ||||
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You want a mortgage but there are lots to choose from. How do you know if you're getting the best deal? What you should know... Mortgages-online offers free advice, use it - there is no obligation. If you find it useful consider using our services to arrange your mortgage, we can make a difference. Call us free on 0800 019 6624 Extended redemption penalties. This is when that attractive rate you thought you had increases to the lenders high standard variable rate but you cannot move away without paying a huge penalty. We do not recommend these deals. Some deals start low but step up each year. They look good to start with but you won't be impressed in the third or fourth year after 3 or 4 rate increases. Try to avoid these unless money is tight now but will definitely increase next year. Look out for hidden fees like like deeds discharge fees. These fees can vary enormously from lender to lender, expect between £90 and £295. You will need to take this into account if you move your mortgage often. Is your credit history good? Do not make your credit history worse by applying to lenders that are likely to reject your application. Each credit search leaves a footprint, too many searches look bad. We can access lenders' lending criteria quickly. Do not put too much reliance on APR's. They are used to show the cost of a mortgage taking into account all charges and interest for the whole mortgage term, say 25 years. If you keep your mortgage with the same lender and on the same deal for 25 years then APR's are fine but it is more likely that you will change your mortgage every 2, 3 or 5 years. Take our word for it, a lender with a high standard variable rate but a really low initial rate will look expensive if you rely only on the APR but it may be the cheapest over 2 years, the point at which you could choose another competitive mortgage and maintain a competitive deal. We can measure the true cost of a mortgage over any time period. Understand the difference between fixed, variable, discount, tracker, capped, collar, stepped, offset, flexible? Daily and annual interest calculations. Doesn't matter if you have an interest only mortgage but if you're paying your capital off with a repayment mortgage (most people do these days) then ideally you want a daily calculation mortgage. This is even more important if you think you might make any overpayments because an annually calculated mortgage won't recognise the overpayment until the end of the year. If you might want to make overpayments, make sure you can do so without incurring a penalty? Portable option - can you move your mortgage to another property without penalty if you move home? Some mortgages do not have this option. What happens when you come to the end of this deal, will the lender offer you another great deal, will they put you on a high standard variable rate? Do you have to go through the whole process all over again? How often should you go through the remortgage process to keep costs down? Does the lender charge a higher lending fee? Could you avoid this by increasing your deposit only slightly. For example, the difference between a 10% deposit and 10.01% might only be £1 but it could save you £hundreds. Would it be better to choose a higher rate with low fees or low rate with a high fees. Do you know how to work this out to the £? Does the lender offer a free legal service if you remortgage? We have the answers to all of the above. It could save you a lot of time and a lot of money. Very rarely do we charge you a fee for our advice (we reserve the right for extremely difficult situations that require additional work but will tell you before you incur any costs) - we normally get paid by the lender. Applying for a mortgage through us is simple. You get a direct dial number to speak to your dedicated mortgage adviser at any time during office hours - no call centre. Our administration department will see your mortgage application through from beginning to end. We can also help with life assurance, buildings and contents insurance, redundancy cover and income protection. If you need any more information then we would be delighted to hear from you either by telephone (call us free on 0800 019 6624), email or through our enquiry forms. Thank you for looking.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT