Find low mortgage rates if interest rates rise

Find low mortgage rates if interest rates rise

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Video transcript

House prices have shown their biggest rise in three months, meaning there`s even more reason for you to look for the most suitable mortgage for you so that you don`t end up paying over the odds.

Halifax indicates that property increased in price by 1.1 per cent in January, more than making up for the 0.5 per cent drop in the final month of 2013. The quarter to January showed 7.3 per cent growth on the same period 12 months previously, roughly similar to the previous two readings.

The lender notes that the government`s Help to Buy scheme has helped to increase the amount of buyers, which has an effect on asking prices. Lower unemployment and a better economic outlook have also helped, although supply not keeping up with demand could prove to be a concern.

It`s long been a problem with the UK that people want property at a quicker rate than they`re being built, and if that remains the case, prices will continue to increase, which may make them less affordable to would-be buyers.

That`s why finding the most suitable mortgage for your circumstances is only going to be more and more important when you decide to buy. At First Choice Finance we have a panel of lenders to suit many scenarios and any quotations are provided without obligation.

Once you give us your aims we will scour our panel for the most suitable deal for you, whether you have a good or impaired credit profile. To make an enquiry visit firstchoicefinance.co.uk or call us on a mobile at 0333 003 1505, or from a landline on 0800 298 3000.

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Homeowner Secured Loans
9.8% APRC. Representative example: Borrow £50,000 over 180 months. 60 months at 8.1%, £497.83 pcm fixed at 60% LTV. Then 120 months at 10.1%, £539.89 pcm variable. Total payable £94,656.60. Total cost of credit £44,656.60 (including: £795 lender fee, £985 broker fee & £42,876.60 interest). First Choice are tied to certain loan providers.

Mortgages & Remortgages
8.4% APRC.
Representative Example: Borrow £120,000 over 25 years at 5.99%, £778.86 pcm fixed for 3 years at 60% LTV. Then at 8.75%, £974.86 pcm, variable for 22 years. Total payable £286,416. Total cost of credit £166,416 (including: £985 broker fee, £999 lender fee & £164,432 interest)


Unsecured Personal Loans
REPRESENTATIVE 49.9% APR (VARIABLE)
First Choice are tied to certain unsecured lenders.


THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Security is required on immovable property.



Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

Established In 1988. Company Registration Number 2316399. Authorised & Regulated By The Financial Conduct Authority (FCA). Firm Reference Number 302981. Mortgages & Homeowner Secured Loans Are Secured On Your Home. We Advice Upon & Arrange Mortgages & Loans. We Are Not A Lender.

First Choice Finance is a trading style of First Choice Funding Limited of 54, Wybersley Road, High Lane, Stockport, SK6 8HB. Copyright protected.

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