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Carl Chambers


13 home moving costs to consider on top of the mortgage

Pound coin path

Now that the property market seems to be emerging from its slump, here’s some information on the costs involved in a home move.

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Pump my ride! Why petrol prices are sky high again

Confused.com author Carl Chamber

Confused.com's Carl Chambers laments as petrol prices pinch his purse strings...Hi there wannabe money savers! Whilst in my car this morning, the radio blurted out that the UK has emerged from 18 months’ of recession.

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Fiscal tips and Alistair

Confused.com author Carl Chamber

As promised, VAT will go back up in the New Year - but did we feel the full benefit anyway? Confused.com's Carl Chambers shares his views..

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10 things to ask when viewing a home

Row of houses in London

Unless you’re in the market for an original Van Gogh, a new home will be the biggest purchase of your life. Therefore, before signing 25 years of your life away on a mortgage, it’s vital that you know exactly what you’re paying for.

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Know your mortgage: Offset mortgages

Row of houses with mortgage sign

Originally from Australia, offset mortgages arrived here in the late 1990s with the key benefit of allowing you to offset any savings against a mortgage.

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Know your mortgage: Current account mortgages

Row of houses with mortgage sign

Similar to offset mortgages, this option lets you combine your finances (e.g. mortgage, credit cards, store cards, bank account, loans) into a single account with the mortgage lender.

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Know your mortgage: Flexible mortgages

Row of houses with mortgage sign

Flexible (sometimes called ‘lifestyle’) mortgages let you make extra repayments when you’re flush with cash, and allow partial payments, or even payment holidays, when you’re a little skint.

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Know your mortgage: Tracker rate mortgages

Row of houses with mortgage sign

Yet another type of variable rate mortgage, tracker rates move up or down in direct relation to The Bank of England Base Rate rather than a lender’s Standard Variable Rate (SVR).

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Know your mortgage: Capped rate mortgages

Row of houses with mortgage sign

This is a type of variable rate mortgage (i.e. it will rise and fall in line with your lender’s SVR) that puts a ceiling (or cap) on your mortgage interest rate. This means that the rate is guaranteed never to rise above a certain level for a specified period, though it can still go down, triggering a reduction in monthly repayments.

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Know your mortgage: Fixed rate mortgages

Row of houses with mortgage sign

The primary attraction of fixed rate mortgage deals is that they offer a guaranteed set monthly repayment for a specified period of time, regardless of changes in the lender’s SVR.

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Carl Chambers

Carl Chambers

Carl Chambers worked as a consumer interest writer at Confused.com between 2007 and 2010. We miss his terrible puns!

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