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Minimum Deposit	Age Group

Typical Age Group	Typical Borrower	Typical Deposit Required
18 - 100	Ideal for first time buyers for budgeting purposes and those concerned about possible rate rises.	Fixed rates are normally available from on all schemes
Scheme Period	Mortgage Summary	Lenders
1 - 40 Years	A fixed rate mortgage offers the security & peace of mind of knowing exactly what the repayments will be despite rate increases.	The majority of lenders will have a fixed rate option available.
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Typical Age Group	Typical Borrower	Typical Deposit Required
18 - 100	Suitable for more experienced borrowers and those with sufficient in their budget to cover rises.	Discounted rates are available at all loan to values.
Scheme Period	Mortgage Summary	Lenders
3 Months - 10 Years	Lenders offer a discount off their own standard variable rate. Although repayments will be lower than standard they will go up and down as rates do.	Most lenders offer this type of scheme.
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Typical Age Group	Typical Borrower	Typical Deposit Required
18 - 100	These schemes are suitable for people who understand the effects of rate changes.	No deposit is required for this type of scheme, however the more you put down the better the rate.
Scheme Period	Mortgage Summary	Lenders
2 Months - Term of Mortgage	This type of product will track BOE base rate either slightly above or slightly below to offer better value than a standard variable rate.	Most Lenders will offer this type of product.
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Typical Age Group	Typical Borrower	Typical Deposit Required
18 - 75	Suitable for cautious investors who do not want to loose out if rates fall in the future.	5 - 40% of the purchase price.
Scheme Period	Mortgage Summary	Lenders
2 - 5 years	A top rate of interest is applied so that for a period the borrower will not pay more than the capped rate. If the variable rate falls below the level of the cap then the lower of the two is applied.	Only a hand full of lenders still offer such products as their popularity has deminished over the last few years.
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Typical Age Group	Typical Borrower	Typical Deposit Required
18 - 55	Ideal for those borrowers who woudl like a very kow start to the mortgage. Please be advised the rate willjump to a higher amount, it is essential that you can afford these higher repayment amounts.	Minimum deposit of 5% required.
Scheme Period	Mortgage Summary	Lenders
3 Months - Term of Mortgage	It is a useful way to keep your repayments down to a minimum to begin with However, you are normally tied in and the repayemnts will rise, so you must be comfortable with this rise	a few lenders do offer this rate
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Typical Age Group	Typical Borrower	Typical Deposit Required
21 - 100	A simplified application process benefiting the self-employed or those with various sources of income which are difficult to verify.	5-15% is the minimum deposit for this type of product
Scheme Period	Mortgage Summary	Lenders
3 Months - Term of Mortgage	This facility allows borrowers to declare their own income which will not be verified by the lender. Some lenders will simply check the applicant is employed or self employed, some don't require an income figure stating and others will not make any checks.	a fe lenders tend to specialise in this type of mortgage as it is geared towardss the self-emplyed person, company director or clients who find it hard to prove their income
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Typical Age Group	Typical Borrower	Typical Deposit Required
18 - 85	Such schemes allow applicants who have had credit problems in the past or have no track of managing commitments to obtain a mortgage	5% is the minimum deposit for such schemes
Scheme Period	Mortgage Summary	Lenders
1 Year - 3 Years	Specialist lenders will offer different rates depending on the level of adverse credit. The more adverse credit registered the greater the deposit required.
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