Lenders

Mortgage Checklists

Use these checklists to make sure you're getting the information you need.

Questions to ask a lender

Fees and interest rates

The price for a home loan and all the features it offers comes in the form of interest and fees.

Glossary: interest
Money paid in return for the use of money. If the bank is using your money (in a savings account) they pay you interest. If you are using the bank's money (via a loan), you pay the bank money.

Mortgages for investors

Many people borrow money to buy investment properties, aiming to benefit from rising property values or to earn rental income.

Glossary: investment
A way to use your money to make it grow.

Managing your mortgage

Once your mortgage is in place, there are steps you can take to make sure it is always working for you as well as it can.

In this section, you'll find information about:

Striking a deal

The ideal mortgage contract has benefits for both sides: you get a loan to match your needs at a competitive price, and the lender gets some long-term business.

Where to get a mortgage

There are dozens of companies providing home loans. Choose a lender on the key areas of interest rates, fees and services. Don't be swayed by prize draws or the like.

Glossary: interest rates
The amount of interest you pay on a loan or are paid for an investment, usually expressed in a percentage.