Mortgages are loans secured against property in the form of a charge registered with HM Land Registry..

Because the loan is secured, mortgages are deemed to be a lower risk than an unsecured loans like a personal loan from a bank, for example. Hence the lender can afford to lend on more favourable terms, at a lower interest rate and over a longer period.

The main types of mortgages are: residential mortgages; second home mortgages; buy to let mortgages; equity release mortgages and commercial mortgages (a loan to a business).

Different rules apply under different circumstances so arranging a mortgages can be a minefield and take a frustrating amount of time and energy. An experienced mortgage adviser will, therefore, save you a lot of time and money.

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