{"id":14,"date":"2021-08-03T11:29:24","date_gmt":"2021-08-03T10:29:24","guid":{"rendered":"https:\/\/www.affalo.co.uk\/blog\/?p=14"},"modified":"2022-08-22T12:46:36","modified_gmt":"2022-08-22T12:46:36","slug":"everything-you-ever-wanted-to-know-about-mortgages-but-were-afraid-to-ask","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/mortgages\/everything-you-ever-wanted-to-know-about-mortgages-but-were-afraid-to-ask\/","title":{"rendered":"Everything you ever wanted to know about mortgages but were afraid to ask"},"content":{"rendered":"\n<hr class=\"wp-block-separator is-style-wide\"\/>\n\n\n\n<p>Mortgages. Symbol of the middle class, older than steam power, and harder to get than ever. You might be asking yourself, what exactly is a mortgage? How is it different from a normal loan? How do they work? And why exactly is it so hard to get one?<\/p>\n\n\n\n<p>This blogpost is here to explain just that.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/everything-you-ever-wanted-to-know-about-mortgages-but-were-afraid-to-ask\/#What_exactly_are_mortgages\" >What exactly are mortgages?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/everything-you-ever-wanted-to-know-about-mortgages-but-were-afraid-to-ask\/#How_do_mortgages_work\" >How do mortgages work?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/everything-you-ever-wanted-to-know-about-mortgages-but-were-afraid-to-ask\/#Why_is_it_so_hard_to_get_a_mortgage\" >Why is it so hard to get a mortgage?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/everything-you-ever-wanted-to-know-about-mortgages-but-were-afraid-to-ask\/#In_brief\" >In brief<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/everything-you-ever-wanted-to-know-about-mortgages-but-were-afraid-to-ask\/#Credit-Score_offers_two_fabulous_solutions\" >Credit-Score offers two fabulous solutions<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_exactly_are_mortgages\"><\/span><strong>What exactly are mortgages?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A mortgage is a loan secured against a piece of land. You must pay back according to the terms you agree with the lender. Failure to keep up with payments means that the lender can seize the land and sell it off.<\/p>\n\n\n\n<p>Mortgages are different from other loans in that mortgages are specifically tied to the property being purchased, which is a fixed living space rather than something movable, like a car. <\/p>\n\n\n\n<p>Mortgages are also secured against something physical. This is in contrast to unsecured loans. Lenders approve student loans on the assumption that an education will enable the borrower to pay the loan back.<\/p>\n\n\n\n<p>In addition, a normal loan can be open-ended. Mortgages always have a fixed term, meaning they have a date by which you must pay them off.<\/p>\n\n\n\n<p>Some people will tell you that mortgages, as a concept, date back to the Middle Ages. The word comes from a French term, \u201c<em>mort gage<\/em>\u201d, meaning \u201cdeath pledge\u201d. This name is because of the nature of a mortgage to \u2018die\u2019 when you pay off the debt, or you fail to meet the terms of the promise you make to the lender.<\/p>\n\n\n\n<p>Modern mortgages, however, started in the 18<sup>th<\/sup> century, with the founding of the first building societies and the rise of the middle class. Working people who were reasonably well-off could borrow money to own a plot of land. This used to be something only very rich and powerful people could do. (This idea survives in the form of landlords \u2013 landlords used to be <em>actual<\/em> lords!)<\/p>\n\n\n\n<p>The idea, however, has always stayed the same. You must make regular payments to your lender, without interruption, until you pay off the mortgage.<\/p>\n\n\n\n<p>These days, building societies only make up about two-thirds of all mortgage lenders. Banks have got in on the action, and most first-time buyers will use mortgage brokers to find the best deal for them.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_do_mortgages_work\"><\/span><strong>How do mortgages work?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>How a mortgage works varies by the type of mortgage you\u2019re looking to take out. In general, though, mortgages work much the same way as any loan. You borrow the money you need from the lender, and then you pay back that money in instalments over a period of time agreed at the time of borrowing, plus accrued interest.<\/p>\n\n\n\n<p>There are many types of mortgage and ways for borrowers to pay back what they owe. Working with a broker can help borrowers find the best type of mortgage for their circumstances.<\/p>\n\n\n\n<p>Lenders approve mortgages based on the risk the borrower presents to their business. The lender wants assurance that borrowers can pay back the money they borrow.<\/p>\n\n\n\n<p>When you take out a mortgage, the lender will ask you to pay a deposit. The higher a deposit you can pay, the lower risk you present to the lender.<\/p>\n\n\n\n<p>Lenders calculate this by using something called the loan-to-value ratio. The loan-to-value ratio is the amount you are borrowing divided by the appraised value of the house.<\/p>\n\n\n\n<p>Average mortgage deposits vary based on factors tied to the value of the property, such as location. A house in rural Powys in East Wales will on average require a deposit of about \u00a322,000. On the other hand, a house in Barnet in North London will on average require a deposit of around \u00a3120,000. That&#8217;s more than five times that amount. (<a href=\"https:\/\/www.which.co.uk\/money\/mortgages-and-property\/mortgages\/mortgages-and-deposits-the-basics\/how-much-deposit-do-you-need-for-a-mortgage-acs1c3t6f9r0#headline_5\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Which?<\/em><\/a>)<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_is_it_so_hard_to_get_a_mortgage\"><\/span><strong>Why is it so hard to get a mortgage?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are many reasons for this. Mortgages have always been tricky to get, but they\u2019ve become harder to get in recent years.<\/p>\n\n\n\n<p>In the 2000s, the United States subprime mortgage crisis was one of the events that led to the \u201ccredit crunch\u201d and recession of 2008. As a result, lenders are still very unwilling and hesitant to lend to anyone that they can\u2019t be absolutely sure is able to repay.<\/p>\n\n\n\n<p>This is because even if your lender repossesses your house, in the event of a lending-caused housing bubble, like the one in the United States in 2005-2006, they may not be able to sell it off at its original market value. This means lenders lose money and they start to go bust.<\/p>\n\n\n\n<p>In addition, another financial crisis means less people employed. This lowers the chances of repayments even further, causing a big negative feedback loop. So lenders would rather lend to people who they are very sure will be able to repay after stress-testing.<\/p>\n\n\n\n<p>You may be wondering, then, why even people with steady income and good credit scores still find it an uphill struggle. Being such a high-risk loan for all involved, lenders approve mortgages based on rigorous credit checking that relies on a number of factors that goes beyond a simple credit score.<\/p>\n\n\n\n<p>Credit-Score&#8217;s 24-Factor Credit Check helps potential borrowers to see the deciding factors in whether or not they\u2019ll be approved for a mortgage. You need to have an established track record of being able to pay back any credit you take out as well as an ability to support yourself and keep making payments if you lose your job.<\/p>\n\n\n\n<p>The key point is being able to prove to lenders that you\u2019re trustworthy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"In_brief\"><\/span><strong>In brief<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>Mortgages are a type of loan secured against a property.<\/li><li>They work by being paid back in regular instalments, with the stipulation that if you miss a payment, you lose your claim to ownership of the property.<\/li><li>They are hard to get because financial institutions have to be sure they will make back the money they lend out.<\/li><li>Signing up for a credit repair service like Credit-Score can help borrowers to lower their risk, thereby increasing their chances of being approved for a mortgage.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit-Score_offers_two_fabulous_solutions\"><\/span>Credit-Score offers two fabulous solutions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019re preparing to take a mortgage, never apply until you\u2019ve tried our unique and&nbsp;<a href=\"https:\/\/home.credit-score.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">FREE Credit-Score Home app.<\/a>&nbsp;Our smart technology will tell you what you need to fix so you avoid rejection. The app predicts when you will be able to buy, for how much and tracks your month-by-month progress to mortgage success. We\u2019ve even added your own mortgage broker, so you get the best deals available.<\/p>\n\n\n\n<p>More focused on your credit rating? Well, get started for free with&nbsp;<a href=\"https:\/\/www.check.co.uk\/register\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score\u2019s 24- Factor Credit Check<\/a>&nbsp;to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t use your credit score! We\u2019ll show you what lenders look for and how to get your credit report in the best shape possible).<\/p>\n\n\n\n<hr class=\"wp-block-separator is-style-wide\"\/>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"What are mortgages? How do they work? And why is it so hard to get one? Click here for answers to these questions.\n","protected":false},"author":19,"featured_media":5330,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[270],"tags":[528,529,530,531,532,523,533,534],"class_list":{"0":"post-14","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-mortgages","8":"tag-how-are-mortgages-different-to-normal-loans","9":"tag-how-do-mortgages-work","10":"tag-loan-vs-mortgage","11":"tag-mortgage-loan","12":"tag-mortgage-vs-loan","13":"tag-mortgages","14":"tag-what-are-mortgages","15":"tag-what-is-a-mortgage"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2021\/08\/christopher-harris-bJqeJxeyiJE-unsplash-1-scaled.jpg","author_info":{"display_name":"Robert Edwards","author_link":"https:\/\/www.check.co.uk\/blog\/author\/conor-mullinsaffalo-co-uk\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>All about mortgages | Check.co.uk - See the problems your credit score hides<\/title>\n<meta name=\"description\" content=\"What are mortgages? 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