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When you are looking to get a loan or a mortgage there are some commonly used terms that your advisor might use. Below is an explanation of the most common terms :

Advice

A recommendation about the most suitable mortgage for you made by an advisor who is regulated by the FSA.

Annual Statement

A statement from your mortgage lender, sent every year, showing among other things what you've paid and what you still owe.

Approval In Principle

A certificate which some lenders will give you that shows the amount they will probably be prepared to lend you. This is not a guarantee, but can be helpful when signing up with estate agents.

APR

Annual Percentage Rate. This shows the overall cost of a loan, taking into account the term, interest rate and other costs.

Authorised Firm

A firm that has permission from the FSA to carry out regulated activities.

Capital

The amount you borrow to help buy your home.

Capped Mortgage

A mortgage that has a maximum limit on the interest rate you'll have to pay during a special deal period.

Cashback Mortgage

A mortgage that comes with a cash sum (often a percentage of the amount you're borrowing).

Collared Mortgage

A mortgage with a minimum interest rate you'll pay during a deal period.

Deposit

The amount of money that you're putting into buying a home (not including the mortgage money you're borrowing).

Discounted Mortgage

This has a discounted variable rate of interest for a set period, after which the rate will increase.

Early Repayment Charge

A charge you may have to pay if you break off a mortgage deal - by paying it back early and/or moving to another lender.

Fixed Rate

An interest rate that is fixed (ie it doesn't move up or down) for a set period of time.

FSA

The Financial Services Authority - the UK's financial watchdog.

Income Multiples

The factor by which your earnings are multiplied to find out how much you can borrow.

Interest

The charge made by lenders when you borrow their money.

Interest Rate

The figure that determines how much interest you pay. Usually linked to the Bank of England's rates and can move up or down.

Interest-Only Mortgage

A mortgage where you only pay the interest charges of the loan each month. This means you are not reducing the loan amount (or capital) itself, and this will need to be repaid in some other way.

Keyfacts Documents

Standard documents that all authorised lenders and brokers must give you to explain their services and details about the mortgage you're interested in.

Loan-To-Value

The percentage of money you want to borrow compared to the cost of the property.

Mortgage

A loan which is secured against your property.

Mortgage Broker

A mortgage broker helps you understand the various mortgage types and deals available to them. A mortgage broker may recommend a mortgage for you or they may provide you with information to enable you to make your own choice.

A list of firms that are regulated to carry out financial services in the UK.

Remortgaging

The process of changing your mortgage for a different one, without moving home.

Repayment Mortgage

A mortgage that pays off both the home loan and the interest at the same time. Make all the payments and the mortgage will be fully repaid.

Stamp Duty

A tax which home buyers must pay on properties above a government set figure.

Standard Variable Rate Mortgage

A loan at the lender's normal mortgage rate - ie without any discounts or deals.

Secured

A mortgage is a secured loan on your home; this means that if you fail to repay it, your lender may be able to sell your home to get its money back.

Survey

A report on the condition of the property you are planning to buy.

Tracker Mortgage

A mortgage with an interest rate that is usually linked to a particular rate that is set independently from the lender and moves up or down with it.

Term

The length of your mortgage.

Valuation

A brief inspection, for the benefit of your lender, of the home you hope to buy. This is to make sure they are not lending more than the property is worth and that the property is suitable security for the mortgage, but this will not tell you if it is a good or bad buy. For your own peace of mind, you may want your own survey.

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YOUR Mortgage Advisor, 5-7 Coniscliffe Road, Darlington, County Durham, DL3 7EE, UK

Tel : (+44) 0800 5874322 ::: Email : Mark@yourmortgageadvisor.tv

YOUR Mortgage Advisor Is An Appointed Representative Of Lifetime Insurance Mortgage Experts Ltd

Which Is Authorised And Regulated By The Financial Services Authority (FSA)

Your Home May Be Repossessed If You Do Not Keep Up Repayments On A Mortgage Or Other Debt Secured On It

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Advisor Otley (Suffolk), Financial Advisor Otley (West Yorkshire), Financial Advisor Otterburn, Financial Advisor Ottery St. Mary, Financial Advisor Oundle, Financial Advisor Over, Financial Advisor Overbury, Financial Advisor Oxenhope, Financial Advisor Oxford, Financial Advisor Oxshott, Financial Advisor Oxted, Financial Advisor Padiham, Financial Advisor Padstow, Financial Advisor Paignton, Financial Advisor Painswick, Financial Advisor Pangbourne, Financial Advisor Papplewick, Financial Advisor Par, Financial Advisor Parbold, Financial Advisor Parkgate, Financial Advisor Parkstone, Financial Advisor Parracombe, Financial Advisor Partridge Green, Financial Advisor Pateley Bridge, Financial Advisor Patrington, Financial Advisor Peaslake, Financial Advisor Penistone, Financial Advisor Penketh, Financial Advisor Penkridge, Financial Advisor Pennymoor, Financial Advisor Penrith, Financial Advisor Penryn, Financial Advisor Penwortham, Financial Advisor Penzance, Financial Advisor 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Advisor St. Germans, Financial Advisor St. Helens, Financial Advisor St. Ives (Cambridgeshire), Financial Advisor St. Ives (Cornwall), Financial Advisor St. Ives (Dorset), Financial Advisor St. Just, Financial Advisor St. Keverne, Financial Advisor St. Leonards On Sea, Financial Advisor St. Mary Bourne, Financial Advisor St. Minver, Financial Advisor St. Neots, Financial Advisor St. Weonards, Financial Advisor Stafford, Financial Advisor Staines, Financial Advisor Staithes, Financial Advisor Stamford, Financial Advisor Stanford Le Hope, Financial Advisor Stanley, Financial Advisor Stansted, Financial Advisor Stanton, Financial Advisor Stanton Harcourt, Financial Advisor Staple, Financial Advisor Staplehurst, Financial Advisor Staunton, Financial Advisor Staveley, Financial Advisor Steeple Aston, Financial Advisor Steeple Morden, Financial Advisor Stevenage, Financial Advisor Steventon, Financial Advisor Steyning, Financial Advisor Stickney, Financial Advisor Stockbridge, Financial Advisor Stockport, Financial Advisor Stockton Heath, Financial Advisor Stockton-On-Tees, Financial Advisor Stoke, Financial Advisor Stoke Bruerne, Financial Advisor Stoke Mandeville, Financial Advisor Stoke Poges, Financial Advisor Stoke-On-Trent, Financial Advisor Stokenchurch, Financial Advisor Stokenham, Financial Advisor Stokesley, Financial Advisor Stone, Financial Advisor Stonebroom, Financial Advisor Stonehouse, Financial Advisor Stoneygate, Financial Advisor Storrington, Financial Advisor Stotfold, Financial Advisor Stourbridge, Financial Advisor Stourport-On-Severn, Financial Advisor Stow-On-The-Wold, Financial Advisor Stowmarket, Financial Advisor Stragglethorpe, Financial Advisor Stratford St. Mary, Financial Advisor Stratford-Upon-Avon, Financial Advisor Stratton-On-The-Fosse, Financial Advisor Street, Financial Advisor Strood, Financial Advisor Stroud, Financial Advisor Studley, Financial Advisor Sturminster Newton, Financial Advisor Sudbury, Financial Advisor Sulhamstead, 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Advisor Timperley, Financial Advisor Timsbury, Financial Advisor Tintagel, Financial Advisor Tipton, Financial Advisor Tiptree, Financial Advisor Titchfield, Financial Advisor Tiverton, Financial Advisor Tockwith, Financial Advisor Toddington, Financial Advisor Todmorden, Financial Advisor Tollerton, Financial Advisor Tollesbury, Financial Advisor Tonbridge, Financial Advisor Tongham, Financial Advisor Topsham, Financial Advisor Torpoint, Financial Advisor Torquay, Financial Advisor Totnes, Financial Advisor Totton, Financial Advisor Towcester, Financial Advisor Trawden, Financial Advisor Tring, Financial Advisor Troston, Financial Advisor Trowbridge, Financial Advisor Trumpington, Financial Advisor Truro, Financial Advisor Tudeley, Financial Advisor Tunbridge Wells, Financial Advisor Turvey, Financial Advisor Tutbury, Financial Advisor Tuxford, Financial Advisor Twickenham, Financial Advisor Twyford, Financial Advisor Tyldesley, Financial Advisor Tynemouth, Financial Advisor Uckfield, Financial Advisor Uffculme, Financial Advisor Ulverston, Financial Advisor Upminster, Financial Advisor Upper Bucklebury, Financial Advisor Uppingham, Financial Advisor Upton (Hamp), Financial Advisor Upton (Merseyside), Financial Advisor Upton Upon Severn, Financial Advisor Urmston, Financial Advisor Usk, Financial Advisor Uttoxeter, Financial Advisor Uxbridge, Financial Advisor Ventnor, Financial Advisor Verwood, Financial Advisor Virginia Water, Financial Advisor Wadebridge, Financial Advisor Wadhurst, Financial Advisor Wakefield, Financial Advisor Walberton, Financial Advisor Walderslade, Financial Advisor Wallasey, Financial Advisor Wallingford, Financial Advisor Wallsend, Financial Advisor Walsall, Financial Advisor Waltham Abbey, Financial Advisor Waltham Chase, Financial Advisor Waltham Cross, Financial Advisor Waltham Forest, Financial Advisor Walton-On-Thames, Financial Advisor Walton-On-The-Naze, Financial Advisor Wandsworth, Financial Advisor Wantage, Financial Advisor Wardle, Financial Advisor Ware, Financial Advisor Wareham, Financial Advisor Wargrave, Financial Advisor Warley, Financial Advisor Warlingham, Financial Advisor Warminster, Financial Advisor Warnham, Financial Advisor Warrington, Financial Advisor Warsash, Financial Advisor Warwick, Financial Advisor Washington, Financial Advisor Waterbeach, Financial Advisor Waterfoot, Financial Advisor Waterlooville, Financial Advisor Watford, Financial Advisor Watlington, Financial Advisor Wedmore, Financial Advisor Wednesbury, Financial Advisor Wednesfield, Financial Advisor Welham Green, Financial Advisor Wellesbourne, Financial Advisor Wellingborough, Financial Advisor Wellington, Financial Advisor Wells, Financial Advisor Wells-Next-The-Sea, Financial Advisor Welwyn, Financial Advisor Welwyn Garden City, Financial Advisor Wem, Financial Advisor Wendover, Financial Advisor Wentworth, Financial Advisor Weobley, Financial Advisor West Auckland, Financial Advisor West Bridgford, Financial Advisor 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Advisor Wheatley, Financial Advisor Wheddon Cross, Financial Advisor Wherstead, Financial Advisor Whetstone, Financial Advisor Whickham, Financial Advisor Whitby, Financial Advisor Whitchurch (Hamp.), Financial Advisor Whitchurch (Shrops.), Financial Advisor White Roding, Financial Advisor Whitehaven, Financial Advisor Whitehill, Financial Advisor Whiteley, Financial Advisor Whitley, Financial Advisor Whitley Bay, Financial Advisor Whitnash, Financial Advisor Whitstable, Financial Advisor Whitstone, Financial Advisor Whittington, Financial Advisor Whittlesey, Financial Advisor Whitwell, Financial Advisor Whitworth, Financial Advisor Whyteleafe, Financial Advisor Wickford, Financial Advisor Wickham (Berks.), Financial Advisor Wickham (Hampshire), Financial Advisor Widdington, Financial Advisor Widdrington, Financial Advisor Widnes, Financial Advisor Wigan, Financial Advisor Wigston, Financial Advisor Wigton, Financial Advisor Willenhall, Financial Advisor Willingham, Financial Advisor Willington, Financial Advisor Williton, Financial Advisor Wilmslow, Financial Advisor Wilton, Financial Advisor Wimborne, Financial Advisor Wincanton, Financial Advisor Wincham, Financial Advisor Winchester, Financial Advisor Winchfield, Financial Advisor Windermere, Financial Advisor Windlesham, Financial Advisor Windsor, Financial Advisor Winnersh, Financial Advisor Winsford (Cheshire), Financial Advisor Winsford (Somerset), Financial Advisor Winsley, Financial Advisor Winslow, Financial Advisor Wirksworth, Financial Advisor Wisbech, Financial Advisor Wishaw, Financial Advisor Wistaston, Financial Advisor Witham, Financial Advisor Withernsea, Financial Advisor Witley, Financial Advisor Witney, Financial Advisor Woburn, Financial Advisor Woking, Financial Advisor Wokingham, Financial Advisor Wolston, Financial Advisor Wolverhampton, Financial Advisor Wombourne, Financial Advisor Wombwell, Financial Advisor Wooburn Green, Financial Advisor Woodbridge, Financial Advisor Woodchester, Financial Advisor Woodchurch, Financial Advisor Woodford, Financial Advisor Woodhall Spa, Financial Advisor Woodley, Financial Advisor Woodnewton, Financial Advisor Woodstock, Financial Advisor Wookey Hole, Financial Advisor Woolacombe, Financial Advisor Wootton (Bedfordshire), Financial Advisor Wootton (Northamptonshire), Financial Advisor Wootton Basset, Financial Advisor Wootton Wawen, Financial Advisor Worcester, Financial Advisor Worcester Park, Financial Advisor Workington, Financial Advisor Worksop, Financial Advisor Wormley, Financial Advisor Wormsley, Financial Advisor Worsley, Financial Advisor Worth Matravers, Financial Advisor Worthing, Financial Advisor Wotton-Under-Edge, Financial Advisor Wrea Green, Financial Advisor Wrightington Bar, Financial Advisor Writtle, Financial Advisor Wroxall, Financial Advisor Wroxeter, Financial Advisor Wroxham, Financial Advisor Wroxton, Financial Advisor Wylam, Financial Advisor Wymeswold, Financial Advisor Wymondham, Financial Advisor Yarm, Financial Advisor Yarmouth, Financial Advisor Yate, Financial Advisor Yateley, Financial Advisor Yaxley, Financial Advisor Yeadon, Financial Advisor Yelverton, Financial Advisor Yeovil, Financial Advisor Yetminster, Financial Advisor Yettington, Financial Advisor York, Financial Advisor Scotland, Financial Advisor Borders, Financial Advisor Central, Financial Advisor Dumfries And Galloway, Financial Advisor Fife, Financial Advisor Grampian, Financial Advisor Highlands And Islands, Financial Advisor Lothian, Financial Advisor Strathclyde, Financial Advisor Tayside, Financial Advisor Aberdeen, Financial Advisor Aberfeldy, Financial Advisor Aboyne, Financial Advisor Aikwood, Financial Advisor Airdrie, Financial Advisor Alexandria, Financial Advisor Alford, Financial Advisor Alloa, Financial Advisor Altass, Financial Advisor Altnaharra, Financial Advisor Alva, Financial Advisor Alyth, Financial Advisor Annan, Financial Advisor Anstruther, Financial Advisor Appin, Financial Advisor Applecross, Financial Advisor Arbroath, Financial Advisor Ardfern, Financial Advisor Arrochar, Financial Advisor Auchterarder, Financial Advisor Auchtermuchty, Financial Advisor Aviemore, Financial Advisor Ayr, Financial Advisor Balallan, Financial Advisor Ballantrae, Financial Advisor Ballater, Financial Advisor Balmaha, Financial Advisor Balnaboth, Financial Advisor Baltasound, Financial Advisor Banchory, Financial Advisor Banff, Financial Advisor Barrhead, Financial Advisor Bathgate, Financial Advisor Bearsden, Financial Advisor Beauly, Financial Advisor Beeswing, Financial Advisor Beith, Financial Advisor Bellshill, Financial Advisor Biggar, Financial Advisor Birnam, Financial Advisor Blackburn (W. Lothian), Financial Advisor Blairgowrie, Financial Advisor Blantyre, Financial Advisor Bonar Bridge, Financial Advisor Borgue, Financial Advisor Bothwell, Financial Advisor Braemar, Financial Advisor Brechin, Financial Advisor Bridge Of Allan, Financial Advisor Bridge Of Cally, Financial Advisor Bridge Of Weir, Financial Advisor Bridgend, Financial Advisor Brodick, Financial Advisor Brora, Financial Advisor Broughty Ferry, Financial Advisor Broxburn, Financial Advisor Buckie, Financial Advisor Bucksburn, Financial Advisor Burntisland, Financial Advisor Cairnbulg, Financial Advisor Callander, Financial Advisor Cambuslang, Financial Advisor Campbeltown, Financial Advisor Cardenden, Financial Advisor Cardross, Financial Advisor Carluke, Financial Advisor Carnoustie, Financial Advisor Carrbridge, Financial Advisor Castle Douglas, Financial Advisor Ceres, Financial Advisor Charlestown Of Aberlour, Financial Advisor Clydebank, Financial Advisor Coatbridge, Financial Advisor Coldstream, Financial Advisor Comrie, Financial Advisor Connel, Financial Advisor Contin, Financial Advisor Cornhill, Financial Advisor Cowdenbeath, Financial Advisor Craigellachie, Financial Advisor Crianlarich, Financial Advisor Crieff, Financial Advisor Crinan, Financial Advisor Cromarty, Financial Advisor Cullen, Financial Advisor Cumbernauld, Financial Advisor Cupar, Financial Advisor Dalbeattie, Financial Advisor Dalgety Bay, Financial Advisor Dalkeith, Financial Advisor Dingwall, Financial Advisor Dornoch, Financial Advisor Dufftown, Financial Advisor Dumbarton, Financial Advisor Dumfries, Financial Advisor Dunbar, Financial Advisor Dunbeath, Financial Advisor Dunblane, Financial Advisor Dundee, Financial Advisor Dundonald, Financial Advisor Dunfermline, Financial Advisor Dunkeld, Financial Advisor Dunoon, Financial Advisor Duns, Financial Advisor Dysart, Financial Advisor Earlston, Financial Advisor East Kilbride, Financial Advisor Eastriggs, Financial Advisor Edinburgh, Financial Advisor Edzell, Financial Advisor Elderslie, Financial Advisor Elgin, Financial Advisor Ellon, Financial Advisor Evanton, Financial Advisor Eyemouth, Financial Advisor Falkirk, Financial Advisor Falkland, Financial Advisor Ferryden By Montrose, Financial Advisor Fetlar, Financial Advisor Findhorn, Financial Advisor Flashader, Financial Advisor Fochabers, Financial Advisor Forfar, Financial Advisor Forres, Financial Advisor Fort Augustus, Financial Advisor Fort William, Financial Advisor Fraserburgh, Financial Advisor Gairloch, Financial Advisor Galashiels, Financial Advisor Gartocharn, Financial Advisor Gauldry, Financial Advisor Glasgow, Financial Advisor Glencaple, Financial Advisor Glencarse, Financial Advisor Glendoick, Financial Advisor Glenfarg, Financial Advisor Glenfinnan, Financial Advisor Glenluce, Financial Advisor Glenrothes, Financial Advisor Gorebridge, Financial Advisor Gourock, Financial Advisor Grangemouth, Financial Advisor Grantown-On-Spey, Financial Advisor Greenock, 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