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? What is the difference between a fixed-rate and a variable-rate mortgage

A fixed-rate mortgage has a set interest rate for a specific period, ensuring stable monthly payments. A variable-rate mortgage can fluctuate based on market conditions, potentially affecting your repayments.

? How much deposit do I need for a mortgage

Most lenders require at least 5-10% of the property’s value, but a higher deposit (e.g., 15-20%) can help secure better interest rates.

? What factors affect my mortgage eligibility

Lenders assess your credit score, income, employment status, deposit amount, and existing debts to determine how much you can borrow.

? Why is life insurance important when taking out a mortgage

Life insurance ensures that your mortgage is covered in case of unexpected events, preventing financial burden on your family.

? What is remortgaging, and when should I consider it

Remortgaging means switching to a new mortgage deal, either with your current lender or a new one. It’s beneficial when your current deal is ending, you want better rates, or need to release equity from your home.

? Can self-employed individuals get a mortgage

Yes! Self-employed applicants need to provide at least two years of accounts, tax returns, and proof of stable income to secure a mortgage.

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