Mortgages and Property - Rest Less (original) (raw)

Mortgage guides, advice and rates

Everything you need to take control of your mortgage

Home
Mortgages and Property

Your mortgage is likely to be the biggest financial commitment you’ll ever make, so it’s vital to get the best possible deal. This can be easier said than done however, especially with lots of jargon to get to grips with and various different costs and fees to factor in.

That’s why we’ve come up with all the essential mortgage information you need, whether you’re already a homeowner who’s looking to remortgage, or you’re trying to get on the first rung the property ladder, or invest in a buy-to-let property. So, let’s get started with what you’re looking for today…

I'm looking for...

Your mortgage is a big commitment and an important financial decision, so it’s crucial to make sure you get the right mortgage advice for you. Whilst it’s always beneficial to do your own research, it’s almost always a good idea to get mortgage advice from an expert with in-depth knowledge of the market.

A mortgage advisor will typically have access to deals from a range of lenders and sometimes have exclusive offers only available to mortgage brokers. Seeking mortgage advice also offers extra protection, as you can complain to the Financial Ombudsman Service if your mortgage turns out to be unsuitable.

Want to speak to a mortgage advisor? Speaking to an experienced mortgage advisor can help you to understand your options and get a great deal on your mortgage.

If you’re looking for expert mortgage advice, you can get a free consultation with an independent mortgage adviser at Fidelius. Speak with a qualified, FCA-regulated, independent mortgage adviser you can trust. Rated 4.7/5 on VouchedFor from over 1,250 reviews.

Our mortgage basics guides are designed to give you the essential knowledge you need to feel confident when considering your mortgage options.

Whether you’re looking to refresh your mortgage knowledge, want to understand how mortgages work and where to start, or you’re looking for information related to your needs – our guides are here to help.

It’s often said that buying a home is one of the most stressful things you could do. There’s the complexities of navigating the market, negotiating with the seller, applying for your mortgage, sorting all the paperwork, and then uplifting your life to somewhere new. But once you get through that, it’s also one of the most exciting things you’ll do – turning the front-door key for the first time in your beautiful new home.

These guides are here to help you navigate the complex but rewarding process of purchasing a property.

If your current mortgage deal is coming to an end within the next 3-6 months, make sure you don’t move onto your current lender’s more expensive standard variable rate. It’s a good idea to start looking for your next mortgage deal a few months in advance, so you have time to weigh up your options and sort your new deal in time.

It can seem seem appealing to take what you’re offered by your current lender. However, it’s always worth checking the market to make sure you’re being offered a good deal. Take a look at the best deals available today with our remortgage comparison tool.

Want to speak to a mortgage advisor? Speaking to an experienced mortgage advisor can help you to understand your options and get a great deal on your mortgage.

A buy-to-let mortgage (or BTL mortgage) is specifically for those who purchase a property as an investment to put on the rental market. There are a number of differences to standard residential mortgages, such as affordability typically being based on expected rental income, rather than your personal incomings and outgoings.

If you’re thinking about buy-to-let as a way to invest your money and generate a passive income, our guides are here to help get you started. You can also check the best buy to let mortgage rates on the market today…

Equity release is when you unlock some of the wealth tied up in your home in order to raise a cash lump sum. For some, it can be a useful way to raise funds to supplement retirement income, pay off an existing mortgage, fund home improvements, or gift money to family.

However, equity release products are high risk and should not be entered into lightly. Our equity release guides are here to help you understanding equity release, the risks and implications, what you should consider and how to get advice.

You could see how much you could unlock from your home with our free, easy to use equity release calculator.

Retirement interest-only mortgages (RIO) are designed for borrowers aged 55 and over who are approaching retirement. They enable you to make interest payments indefinitely, and the mortgage capital only has to be repaid when you die or move into long-term care.

Find out more in our guide How retirement interest-only mortgage work.

Renting

Renting a property remains a popular option for those over 50, and it comes with its own unique set of financial considerations. Our guides are here to help you understand the ins and outs of renting, from your rights as a tenant to resources if you are struggling to pay rent.

Money-saving home improvements

Improving your home can be a great way to boost its value while making it a nicer place to live. If you’re considering making changes to your property, then our guides can help you give your home a new lease of life.

Continue learning

Get the latest ideas, advice and inspiration

No spam. Just useful and interesting stuff, straight to your inbox. Covering finance, learning, jobs, volunteering, lifestyle and more.

By providing us your email address you agree to receive emails and communications from us and acknowledge that your personal data will be used in accordance with our Privacy Policy and Terms and Conditions. You can unsubscribe at any time by following the link in our emails.

General

Money

Lifestyle

Travel

Some important information about Rest Less

When we set out to build Rest Less, we wanted to be a trusted place where you could find helpful information about a wide range of topics and issues affecting the over 50s. As a free to use resource, we try hard to provide the best information we can, but we cannot guarantee we won’t occasionally make mistakes. So please note that you use the information on our site at your own risk, and we cannot accept liability for anything that goes wrong.

All information, guidance or suggestions provided are intended to be general in nature. You should not rely on any of the information on the site in connection with the making of any personal decisions and you should always do your own in-depth research first.

Accuracy of Information – We work hard to make the information provided on Rest Less as accurate as possible when published. We are not perfect however, so can make no guarantees as to the completeness or accuracy of the information on the site. Deals, offers, jobs and prices can change, and providers may decide to alter them after publication.

Links to third-party websites - Where we provide links to content or products and services available on other third-party websites, these are provided purely for your convenience and we cannot be held responsible for any content, or any of the products and services offered on any website that we link to.

We do not offer financial advice – As a journalistic site, Intrepid Owls Ltd (trading as Rest Less) does not provide financial advice and no content or articles on the site should be regarded as financial advice. You should always do your own research before choosing any financial product so that you can be certain it is right for you and your specific circumstances.

Rest Less is an Introducer Appointed Representative (IAR) of Seopa Ltd (FRN: 313860).

How does Rest Less make money – We make money through advertising and commission from affiliate links, which enable us to offer Rest Less as a free service to our users. The content on this page may use affiliate links, which track traffic from our website to a third party provider and enable us to receive a commission or payment from any traffic we refer.

* Affiliate links on this page have an * next to them. We place enormous importance on our editorial independence and the integrity of our content which means that we will never change how we write about something as a result of an affiliate link.

Any prices shown are subject to availability and may go up or down. To see the latest accurate pricing, please visit the provider's website.

When using any of our marketplaces – e.g. jobs, courses, energy comparison etc. We may receive money from third parties who are listed on our marketplaces e.g. an employer paying to advertise a job, or a course or energy provider paying a commission to us.

We hope you find Rest Less a useful resource and we would welcome your feedback at [email protected] on how we can make it even better. For more information on any of the above you can read our fullterms and conditions, privacy policy and cookie policy.

Rest Less is a trading name of Intrepid Owls Ltd, a company registered in England and Wales with registration number 11402887 and registered address at Rest Less, 47 Butt Road, Colchester, Essex, CO3 3BZ, United Kingdom. ICO registration ZA461958. VAT registration 301 5191 51.