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Consumer misconceptions blight equity release

Advisers selling equity release products are still facing significant problems with client misconceptions over about the sector.

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1Fixed

Paying a fixed rate of interest on your mortgage for anything from one to 25 years provides invaluable peace of mind.

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2Interest-only

Interest-only mortgages allow you to just repay the interest and no capital, but these deals are now hard to get.

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3Variable

With a standard variable rate mortgage, the rate you pay can go up and down at the lender's discretion, subject to terms and conditions.

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4Tracker

Tracker mortgages track the Base Rate set by the Bank of England at a pre-determined margin for the period of the deal agreed.

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5Flexible

A flexible mortgage allows you to overpay, underpay and take payment holidays and there are no Early Repayment Charges.

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6Discount

With a discounted mortgage you receive a discount off the lender's standard variable rate for an agreed period of time.

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7Fees

The fees borrowers typically have to pay when taking out and paying off a mortgage have tripled in the last decade.

 

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8Offset

This type of deal allows you to offset your current and savings accounts against your mortgage and pay interest on a lower balance.

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Focus

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'I love Monopoly': A large landlord talks buy-to-let

Buy-to-let may be an industry buzzword, but what do landlords actually want? Richard Blanco introduces Julia Rampen to his 11 properties... and mortgages

What price loyalty?

In depth

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What’s in a survey?

Martyn Stones explains the different levels of property surveys for homebuyers.

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The 10 commandments for first-time buyers

Your Mortgage explains the ten golden rules buyers should obey to get their first step onto the property ladder.

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Using a mortgage broker

Should you find a mortgage yourself or employ expert help? Adam Williams weighs up the pros and cons of using an adviser

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Ask Paula

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Ask Paula

If you have a question about mortgages or homebuying, why not ask Editor in Chief Paula John?

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Most read

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Mortgage fees

The mortgage fees associated with taking out and paying off a mortgage have tripled in the last decade. Watch out for the hidden charges behind the cheap headline rates.

Case studies

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Case study: Lifetime tracker (First-time buyers)comment

Sarah Oakley, a 42-year-old exams officer, and her husband Paul recently took out a lifetime tracker mortgage with Woolwich.

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Case study:Discount (Remortgage)comment

Graham Baker and his wife Lucia took out a two-year discounted tracker after visiting fee-free broker London & Country to get expert advice.

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Case study: Offset (Remortgage)comment

John and Elizabeth Hickey, both 40, live in South East London.

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