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Mortgage essentials
There’s a lot of jargon involved when you buy a house. Read our guides and soon you’ll know complex sounding terms like ‘loan to value ratio’ and ‘exchange of contracts’ like the back of your hand.
Navigate the fundamentals of mortgages here – discover how much Stamp Duty you might have to pay, what leasehold means and how home equity ratio works.
Whether you’re buying for the first or fourth time, you’ll find the key things you need to know about buying a house here.
How does a mortgage work?
A mortgage is a loan that you borrow to buy a house. Learn what mortgage terms are and how they work here.
How to apply for a mortgage
Worried about the paperwork and process behind a mortgage? Find out how to apply for one here.
What is Stamp Duty?
Stamp Duty is a tax you might have to pay if you’re buying a house. Find out who has to pay and how much here.
What is loan to value ratio?
Loan to Value ratio is the percentage of borrowing you take out against the value of your home. Find out how it works here.
What is home equity?
Home equity is affected by the value of your property and how big a deposit you paid. Find out how it works here.
Exchange of contracts explained
When this happens, you’re close to owning a home! Learn how exchange of contracts works here.
What is a mortgage deposit?
You'll need a mortgage deposit to buy a home. Find out how they work here.
Mortgage Argeement in Principle
Click here to find out what a mortgage Agreement in Principle is and how they work.
Mortgage overpayment calculator
If you already have a mortgage with us, you can use HelloHome to:
- Work out how much you could save by overpaying.
- Calculate how overpaying on your mortgage could reduce the overall interest.
What happens if you're turned down for a mortgage
Firstly, don’t panic! Find out why you may have been turned down here.
Freehold vs leasehold
There are two main property types – freehold and leasehold. Find out the difference between them.
Can I get a mortgage with bad credit?
Learn about getting a mortgage with bad credit.
Can I get a mortgage while on maternity leave?
Read our full guide on applying for a mortgage while on maternity leave.