Secured Loans & Mortgages
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Early redemption penalties
When a mortgage provider agrees to lend to the borrower they must keep the mortgage with them for a minimum length of time, usually indicated in the agreement. If the borrower wishes to pay off their mortgage early or wants to change their mortgage provider and re mortgage there may be a fee charged to do so, as the borrower is breaking the original agreement.
Early repayment period
A certain type of mortgage loan where a charge will be made if the loan is repayed in full or in part within a certain period of time.
Endowment mortgages
Endowment mortgages are insurance based savings plans where the borrower pays interest during the mortgage term, the plan is designed to repay the mortgage at the end of the mortgage term. These plans can vary depending upon stock market performance, shortfalls and in some instances overpayments can occur.
Equity linked mortgage
Ownership of a stake in property equity is taken by the lender. This means that you are lent less than the full amount required to purchase the home. Interest is only charged on the amount borrowed. When the propety is sold the lender recieves payment in proportion to the amount of equity that they own, they therefore benefit from any increase in the price of the property.
Equity release
Equity release also referred to as home equity schemes allow the home owner to generate either a lump sum or a regular income in return for the lender to take ownership of a portion of your home. Often used by people who are retired and have paid off most or all of their mortgage and are looking to raise funds without borrowing money.
Estimated valuation
What a surveyor believes a property to be worth.
Extended redemption penalty
An extended redemption penalty is a clause that may be added to the terms and conditions of certain loans products such as mortgages. This kind of penalty fee is most often added to those mortgage products that initially offer the consumer a special deal or rate for a period of time.
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