Market Harborough Building Society Mortgages
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Market Harborough Building Society Mortgages FAQ
How can I get a mortgage with Market Harborough?
Market Harborough offer a range of mortgages for those looking to borrow in order to buy a house. They have a set of criteria to determine who they will lend to. Having a good credit score, control over your monthly outgoings and a comfortable income will help you in the mortgage application process.
What mortgages does Market Harborough Building Society offer?
Market Harborough Building Society offer a range of mortgages including joint mortgages and more niche products such as retirement mortgages for those looking to reshape their mortgages as they approach retirement age, and mixed-use mortgages, which can be used by those who work from home or who rent their property out as landlords.
What loan-to-value ratios are available with Market Harborough?
Market Harborough offer a range of mortgages at different loan-to-value (LTV) levels. LTV is the ratio of money you are borrowing through a mortgage against the total property price. The LTV on your mortgage will depend on the deposit you want to put down, as well as the offers that Market Harborough are willing to extend to you.
What is the APRC of a mortgage with Market Harborough?
The APRC depends on the terms of your mortgage with Market Harborough. Research the market and the building society’s offerings to get an idea of what to expect. Remember, the APRC is the annual charge you’ll pay as a percentage of the total value of your loan – it stands for annual percentage rate of charge.
What paperwork do I need for a mortgage with Market Harborough?
To secure a mortgage from any lender, including Market Harborough Building Society, you’ll need to prove that you can afford the repayments.
The lender will then check your affordability by analysing your household bills and outgoings, and any existing forms of debt. This helps them determine whether you can comfortably manage the monthly costs of a mortgage. You will also need proof of identity, such as your passport.
How much will I have to repay monthly?
What you’ll repay monthly depends on a number of factors including the amount of money you have borrowed, the length of the loan and interest rates on the loan. Before applying for a mortgage, it’s important to work out how much you’ll be paying monthly to ensure your income is enough to cover the responsibility.
Do I need a good credit score to get a Market Harborough mortgage?
Having a good credit score is always helpful when borrowing, whether it’s for a small loan or a major financial commitment like a mortgage. It will show the lender that you are responsible with your finances and demonstrate that you are ‘low risk’ as a borrower.
Can I make early repayments on my mortgage?
If you think that making early repayments is something you might want to do, make sure you check the terms of your Market Harborough mortgage before committing. Some borrowers will issue Early Repayment Charges (ERCs) which could push up the cost of borrowing significantly.
Services offered by this provider may change over time. Always check Ts&Cs.
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