When you come to the end of your special deal period, it’s well worth while looking to the market to see what else is on offer.
Remortgaging is a good way to escape high variable or fixed interest rates and take advantage of some of the current fixed-rate, tracker or discount mortgages which have much lower [...]

There are many varying degrees of flexibility. In order to be truly flexible, a mortgage must allow borrowers to do the following:

Overpay
Underpay
Take Payment Holidays
Borrow back overpayments
Carry no redemption penalties
Calculate interest daily

Some so-called flexible mortgages may only meet a couple of these criteria, while other all-singing, all-dancing mortgages allow you to do much more. So make [...]

 A discount rate mortgage offers a percentage discount from the lender’s standard variable rate for a set period of time.
 When the standard variable rate fluctuates, the discount will remain fixed, however, the amount of discount and the period will vary from deal to deal.
Discount mortgages are perhaps more suitable for people who prioritise low initial [...]

 
A capped rate mortgage puts a maximum limit on the interest rate that you have to pay. You therefore gain the security of having a ‘ceiling’ or upper limit to the amount that the lender can increase the interest payable on your mortgage.
 This period of capped interest is for a specified period only; typically between [...]

 With a base rate tracker mortgage the rate of interest you pay is tied to the base rate set by the Bank of England.
Typically the tracker mortgage rate will be set as a percentage slightly above the base rate and although the resulting interest rate is usually lower than a mortgage lender’s standard variable rate, [...]

A fixed rate mortgage provides guaranteed monthly payments for a predetermined period of time. Usually this period is for two, three or five years.
If you’re the kind of person who likes certainty and the reassurance of knowing exactly what your monthly outgoings will be, then a fixed rate mortgage may be best for you.
A fixed [...]

A standard variable mortgage is based on the lender’s basic mortgage rate, commonly known as the Standard Variable Mortgage Rate. It is important to note that SVR�s can vary from lender to lender, which is why it is important to do your homework and shop around, or better still allow an independent broker do the [...]

If you intend to secure finance for your business through a commercial loan or already have one in place there are a number of important factors to consider.
For example did you know that a commercial lender will often make a business loan subject to repayment on the death of a certain (often key) individual?  Alternatively, [...]

Are you considering a Buy-to-Let purchase or remortgage, but think the market is less than perfect?
You may be pleasantly surprised! Whilst the Buy-to-Let market has not reached the levels seen at the peak in 2007, it has expanded by 70% since September 2009. 
At Affno Financial we have access to a wide range of Buy-to-Let mortgage [...]

You will find that your lender will insist that you have this cover when you take out a mortgage. The lender, remember, owns your home until you have paid off the mortgage. However, because they don’t live in it, you are responsible for it, thus you need to insure the building. Should the property fall [...]