Exploring the different types of mortgages

Take time to think about what you want and how much you’ll be able to afford

Taking out a mortgage can seem daunting, and it often feels like the lender holds all the cards. So it is worth spending exploring the different types of mortgages available.

Each lender employs its unique criteria to determine whether or not they wish to lend to you. You’ll likely receive swift approval if you fit neatly within a lender’s parameters. However, if your circumstances are less than ideal, you’ll likely face rejection.

Selecting the appropriate mortgage might seem like a labyrinthine task. Still, you must make an informed decision taking your financial wellbeing into consideration and not get swamped by myriad options. This is particularly important for first-time buyers. To aid you in feeling as confident as possible, we’ve collated the primary different types of mortgages so you know precisely what you’re seeking.

Repayment versus Interest-Only Mortgages

Mortgages fall into one of two categories:

  • Repayment
  • Interest-only

Repayment mortgages, sometimes called capital and repayment mortgages, enable you to borrow enough to purchase a property (less your deposit) and repay that total sum, along with interest, over a specified period.

Interest-only mortgages allow you to borrow sufficient funds to buy a property (again, less your deposit) and then only pay interest on that amount until the end of the mortgage term. You will then repay the original sum, often by selling the property.

Most individuals planning to reside in their property tend to opt for a repayment mortgage. Not all lenders offer interest-only options and those that do typically impose stringent criteria, such as a substantial deposit and a pre-approved repayment method in place to offset the capital at the end of the term.

Many landlords manage their mortgages on an interest-only basis, and lenders generally accept this.

Fixed Rate or Variable Mortgages

Typically repayment mortgages are either fixed rate or variable. Fixed rate mortgages offer set monthly payments that remain unchanged for an agreed period – typically between two to five years, although occasionally longer. While the interest rate is often higher than for variable mortgages, you benefit from the certainty of knowing it won’t increase.

This could lead to savings in the long run. For instance, if the Bank of England’s interest rates rise during your fixed mortgage term, you’ll be relieved that your mortgage payments remain unaffected. Conversely, if the Bank of England interest rates fall, you’d probably prefer your mortgage payments to do the same – but that’s the trade-off for stability.

Variable mortgages feature monthly payments that fluctuate. They may follow the Bank of England interest rates, or they might not.

This depends on which type of variable mortgage you opt for from the following choices:

Variable Mortgages

Variable mortgages come in various forms, each distinguished by how the interest rate is calculated, determining your monthly repayments.

Tracker mortgages follow the Bank of England base rate, with a slightly higher interest rate. This means your monthly repayments will fluctuate in tandem with the base rate.

Standard and Discounted Variable Rate Mortgages

Standard variable rate (or SVR) mortgages are governed by an interest rate set by the lender. Consequently, your payments may vary at the lender’s discretion.

Conversely, discounted variable rate mortgages offer lower monthly repayments than the SVR, thanks to a temporary discount. Once this period concludes, you’ll transition to the standard variable rate.

Any variable mortgage can be capped, ensuring your monthly payments will never exceed a certain threshold. This cap provides some level of protection, though it’s often set relatively high, so careful consideration is advised before committing.

Broadening your mortgage horizons

Beyond the main mortgage types, there are other unique features to consider. Cashback mortgages provide a lump sum when you take out the mortgage but generally incur a higher interest rate on repayments.

Offset mortgages enable your cash savings to reduce the interest you pay on your repayments. By contrast, current account mortgages link your current account to your mortgage, potentially lowering the interest you pay.

Scrutinising aspects of ability to maintain repayments

Applying for a mortgage requires more than just the ability to meet monthly repayments. It’s essential to consider your income, expenditures and potential changes in your circumstances. Mortgage lenders will scrutinise these aspects to gauge whether you can maintain repayments should interest rates escalate or circumstances alter.

Calculations behind mortgage approvals

Mortgage lenders primarily base their decisions on the loan-to-income ratio. This is a simple calculation: the amount you desire to borrow is divided by your earnings. The maximum you can typically borrow is often restricted to four-and-a-half times your annual income.

Affordability assessment is a key determinant

Lenders also conduct an affordability assessment, considering your outgoings alongside your income to calculate the monthly payment you can manage. This crucial step helps them determine your financial capability and resilience in the face of changing circumstances.

Stress testing your ability to repay

Aside from assessing your present financial situation, lenders also contemplate the future. They perform a ‘stress test’ to evaluate your ability to repay the mortgage under different scenarios. This could include rising interest rates or lifestyle changes like redundancy, starting a family or taking a career break.

Lender’s discretion on loan amounts

If lenders perceive that you may struggle with your mortgage payments under these potential circumstances, they will typically limit how much you can borrow. This precautionary measure ensures that both you and the lender are protected from potential financial distress.

How can we help you on your mortgage journey?

Securing a mortgage is more than just paperwork. It requires thorough financial preparation. Before undertaking a mortgage affordability check or arranging a mortgage interview, ensuring your finances are in top shape is crucial. The great thing is, we have access to a comprehensive panel of lenders and we do not charge you a broker fee so book a call and let us see how we can help you choose the most suitable mortgage for your situation. 

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At Yes Mortgage Services, we offer a comprehensive range of products from across the market.

Irrespective of whether you are looking to buy a new home, re-mortgage an existing property, or looking to protect your family from the unpredictability that life throws at it or protect your income if you are unable to work due to accident or ill health.

Yes Mortgage Services are committed to offering you the highest possible standards of service. We can undertake the whole process from answering the initial questions through to handling multiple product applications. Ensuring that everyone gets treated with the same urgency and maintaining your best interests are our main goals irrespective of the value of the mortgage.

We recognise that both we and our customers have everything to gain if we look after your best interests and treat you fairly in all aspect of our dealings with you.

Yes Mortgage Services

Contact Us

YES Mortgage Services Limited
The Old Barn
Brooklands Farm
Mannington
Wimborne
BH21 7JU

Hours
Monday – Friday 0900 – 1700

Contacts
0800 612 5596
[email protected]

We don’t charge a broker fee

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Do you have the right protection in place to support you and your dependents during challenging times? ⁣

Insurance policies provide you and your family with peace of mind, knowing that you`re financially protected in case of unexpected events like unemployment, illness, or property damage. ⁣

Our advisors can guide you through the maze of insurance options and help you find the most suitable options for you.⁣

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Need mortgage advice in the evenings once the kids have gone to bed? Or at the weekend when you`re not busy with work?⁣

We`re available!⁣

We even offer appointments over the phone, via email or at your home. ⁣

And the best bit? We don`t charge a broker fee!⁣

Send us a DM or call us on 0800 612 5596 to book your appointment.⁣

...⁣

Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

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Keep an eye out for these sneaky fees when you're remortgaging 👀⁣
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Tap follow for more remortgage tips, or check out our handy articles via the link in our bio!⁣
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Your property may be repossessed if you do not keep up repayments on your mortgage.  Yes Mortgage Services Limited do not charge a broker fee.⁣
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Keep an eye out for these sneaky fees when you`re remortgaging 👀⁣

Things like product fees and legal fees often catch people off guard. ⁣

So be sure to check the small print and factor in all costs when calculating the true expense of any potential remortgage deals.⁣

Tap follow for more remortgage tips, or check out our handy articles via the link in our bio!⁣


...⁣


Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

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Here's how we can help:⁣
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👉 On our blog, you'll find tons of articles, from how to buy a house to tips for improving your chances of mortgage approval. The link can be found in our bio.⁣
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👉 The FAQs on our website are there for any burning questions you have about what a mortgage is, how it works and the types of insurance you might need. The link can be found in our bio.⁣
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👉 Our dedicated mortgage advisors are here to guide you through the world of mortgages-  and we don't charge a broker fee! Give us a call on 0800 6125596 or send us a DM for personalised advice.⁣
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And remember to hit follow for regular tips and tricks for securing your first home 🏡⁣
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Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
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Here`s how we can help:⁣

👉 On our blog, you`ll find tons of articles, from how to buy a house to tips for improving your chances of mortgage approval. The link can be found in our bio.⁣

👉 The FAQs on our website are there for any burning questions you have about what a mortgage is, how it works and the types of insurance you might need. The link can be found in our bio.⁣

👉 Our dedicated mortgage advisors are here to guide you through the world of mortgages- and we don`t charge a broker fee! Give us a call on 0800 6125596 or send us a DM for personalised advice.⁣

And remember to hit follow for regular tips and tricks for securing your first home 🏡⁣

...⁣


Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

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Meet our Dorset and Hampshire mortgage advisor, Nathan! 👋🏻 ⁣
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When he isn't helping clients navigate the world of mortgages, he's living life in the fast lane! 🏍 With 14 years of riding experience under his belt, Nathan has tried out a variety of bikes, but right now, he's rocking a Suzuki GSX-R 750 on both the road and the track 🏁🔥⁣
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Whether you're a first-time buyer or a seasoned homeowner, Nathan is here to provide you with top-notch advice and support 🤝 ⁣
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Yes Mortgage Services Limited do not charge a broker fee. Your property may be repossessed if you do not keep up repayments on your mortgage. ⁣
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Meet our Dorset and Hampshire mortgage advisor, Nathan! 👋🏻 ⁣

When he isn`t helping clients navigate the world of mortgages, he`s living life in the fast lane! 🏍 With 14 years of riding experience under his belt, Nathan has tried out a variety of bikes, but right now, he`s rocking a Suzuki GSX-R 750 on both the road and the track 🏁🔥⁣

Whether you`re a first-time buyer or a seasoned homeowner, Nathan is here to provide you with top-notch advice and support 🤝 ⁣


...⁣


Yes Mortgage Services Limited do not charge a broker fee. Your property may be repossessed if you do not keep up repayments on your mortgage. ⁣

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2 0
Don't get too focused on the interest rate and monthly payment when comparing mortgages. While they affect the overall cost, it's important to look at the bigger picture. Some lenders offer low rates but have high fees, which can greatly impact how much you pay.⁣
⁣
By considering ALL associated costs, you can make a more informed and financially sound decision 🙌⁣
⁣
Need a hand comparing mortgages? We don't charge a broker fee, so you can rest easy knowing that you're getting expert advice without the additional cost.⁣
⁣
Visit our website to learn more (🔗 in bio)  or give us a call on 0800 612 5596.⁣
⁣
...⁣
⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
⁣
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Don`t get too focused on the interest rate and monthly payment when comparing mortgages. While they affect the overall cost, it`s important to look at the bigger picture. Some lenders offer low rates but have high fees, which can greatly impact how much you pay.⁣

By considering ALL associated costs, you can make a more informed and financially sound decision 🙌⁣

Need a hand comparing mortgages? We don`t charge a broker fee, so you can rest easy knowing that you`re getting expert advice without the additional cost.⁣

Visit our website to learn more (🔗 in bio) or give us a call on 0800 612 5596.⁣

...⁣


Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

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4 1
Just because your current mortgage lender worked for you in the past doesn't mean it's still the best fit for your current needs...⁣
⁣
By exploring what other lenders have on offer, you might discover better deals that are more suited to your current needs!⁣
⁣
Whether you're looking to save money, release equity, or consolidate debt, we're here to guide you through the remortgage process. Our team of experts has the knowledge and experience to help you navigate the maze of options.⁣
⁣
Send us a message, or call us on 0800 612 5596 - our advice to you is FREE!⁣
⁣
...⁣
⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
⁣
...⁣
⁣
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Just because your current mortgage lender worked for you in the past doesn`t mean it`s still the best fit for your current needs...⁣

By exploring what other lenders have on offer, you might discover better deals that are more suited to your current needs!⁣

Whether you`re looking to save money, release equity, or consolidate debt, we`re here to guide you through the remortgage process. Our team of experts has the knowledge and experience to help you navigate the maze of options.⁣

Send us a message, or call us on 0800 612 5596 - our advice to you is FREE!⁣

...⁣


Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣


...⁣

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The Forces Help to Buy scheme could let you borrow up to 50% of your salary to a maximum of £25,000, interest-free!⁣
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This can be used to buy your first home or move to another property on assignment or as your family’s needs change.⁣
⁣
If you are a member of the Armed Forces and need mortgage advice, get in touch! With no broker fee, you'll get expert advice from a team of (ex-military) Mortgage Advisors.⁣
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...⁣
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Your property may be repossessed if you do not keep up repayments on your mortgage.  Yes Mortgage Services Limited do not charge a broker fee.⁣
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The Forces Help to Buy scheme could let you borrow up to 50% of your salary to a maximum of £25,000, interest-free!⁣

This can be used to buy your first home or move to another property on assignment or as your family’s needs change.⁣

If you are a member of the Armed Forces and need mortgage advice, get in touch! With no broker fee, you`ll get expert advice from a team of (ex-military) Mortgage Advisors.⁣

...⁣

Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

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5 reasons why business protection insurance is crucial for your small business 👇⁣
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✅  It can help to keep your business running smoothly in the event of a key person’s death or illness.⁣
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✅  It can provide financial support to the family of the deceased or ill key person.⁣
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✅  It can help to prevent your business from going into financial difficulty.⁣
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✅  It can help to protect the investment of the business’s owners and shareholders.⁣
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✅  It can help to ensure the continuity of your business.⁣
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Get in touch for advice on how you can protect your business and your family’s financial future in the event of an unexpected event. Tap the link in our bio or call us on 0800 612 5596. ⁣
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...⁣
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Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
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5 reasons why business protection insurance is crucial for your small business 👇⁣

✅ It can help to keep your business running smoothly in the event of a key person’s death or illness.⁣

✅ It can provide financial support to the family of the deceased or ill key person.⁣

✅ It can help to prevent your business from going into financial difficulty.⁣

✅ It can help to protect the investment of the business’s owners and shareholders.⁣

✅ It can help to ensure the continuity of your business.⁣

Get in touch for advice on how you can protect your business and your family’s financial future in the event of an unexpected event. Tap the link in our bio or call us on 0800 612 5596. ⁣


...⁣

Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

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Not many people know this, but there are mortgage lenders who specialise in helping people with adverse credit.⁣
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They consider your entire financial picture when assessing affordability. Meaning if you show that you can afford the mortgage, you stand a good chance of being approved.⁣
⁣
While rates might not be the same as on the high street, these specialist lenders offer a better alternative to being rejected outright.⁣
⁣
Get in touch to discuss your options on 0800 612 5596. ⁣
⁣
We don't charge a broker fee, so our advice to you is FREE.⁣
⁣
⁣
...⁣
⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
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Not many people know this, but there are mortgage lenders who specialise in helping people with adverse credit.⁣

They consider your entire financial picture when assessing affordability. Meaning if you show that you can afford the mortgage, you stand a good chance of being approved.⁣

While rates might not be the same as on the high street, these specialist lenders offer a better alternative to being rejected outright.⁣

Get in touch to discuss your options on 0800 612 5596. ⁣

We don`t charge a broker fee, so our advice to you is FREE.⁣


...⁣


Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

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Have mortgage questions? No question is ever too many or too silly for us! ⁣
⁣
We'll simplify the jargon, provide you with clear explanations, and support you in making confident decisions about your mortgage.⁣
⁣
Tap the link in our bio to discover how we can help guide you through the mortgage process.⁣
⁣
...⁣
⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
⁣
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Have mortgage questions? No question is ever too many or too silly for us! ⁣

We`ll simplify the jargon, provide you with clear explanations, and support you in making confident decisions about your mortgage.⁣

Tap the link in our bio to discover how we can help guide you through the mortgage process.⁣

...⁣


Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#nobrokerfee #homemovermortgage #lookingtomove #homebuyer #movinghouses #homebuyingprocess #homebuyersguide #housemovers #buyingahome #ukproperty #mortgagetips #mortgageexpert #devonproperty #bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #ringwood #hampshireuk #mortgageadviser
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Give your home some serious love this Valentine's Day...⁣
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A remortgage can help make your home renovation dreams come true! From a stylish kitchen to a luxurious spa-like bathroom, you can create the home you've always wanted.⁣
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Head to the link in our bio for expert help finding the most suitable mortgage for your needs.⁣
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Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
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#homeownerlife #moneymanagementtips #refinanceyourmortgage #refinancemortgage #homeowner #remortgages #mortgageuk  #homeownertips #houseaddictive #financialeducation #lovewhereyoulive #homeimprovements #remortgageuk #propertyeducation #housetips #homesweethome #mortgageadvice #ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset  #mortgageexperts #westcountry #mortgage

Give your home some serious love this Valentine`s Day...⁣

A remortgage can help make your home renovation dreams come true! From a stylish kitchen to a luxurious spa-like bathroom, you can create the home you`ve always wanted.⁣

Head to the link in our bio for expert help finding the most suitable mortgage for your needs.⁣

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Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

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#homeownerlife #moneymanagementtips #refinanceyourmortgage #refinancemortgage #homeowner #remortgages #mortgageuk #homeownertips #houseaddictive #financialeducation #lovewhereyoulive #homeimprovements #remortgageuk #propertyeducation #housetips #homesweethome #mortgageadvice #ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage
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