What is a mortgage?什么是按揭？

A mortgage is a loan you take out to buy property.按揭贷款是一个你拿出购买的财产。 Most banks and building societies offer mortgages, as well as specialist mortgage lending companies.大部分银行和建筑协会提供的抵押贷款，以及专科按揭贷款公司。 If you change lenders but don't move home it's referred to as a 'remortgage'.如果你改变放款，但不要移动主页，它的被称为' remortgage ' 。

Choosing a mortgage - where to start选择按揭-从哪里开始

You can get a mortgage direct from the lender (banks, building societies and specialist mortgage lenders), or you can use a mortgage broker.您可以获得直接从按揭贷款人（银行，建筑协会和专科按揭贷款） ，或者您也可以使用按揭经纪人。

Repayment methods还款方法

The two main ways to repay your mortgage are 'repayment' and 'interest only'.两个主要的方式来偿还您的按揭'的还款'和'利益只有' 。 With a repayment mortgage you make monthly repayments for an agreed period (the 'term') until you've paid back the loan and the interest.与还款的按揭，您每月还款为约定的期限内（ ' ' ） ，直到您退回的贷款和利息。

With an interest only mortgage you make monthly repayments for an agreed period but these will only cover the interest on your loan. You'll normally also have to pay into another savings or investment plan that'll hopefully pay off the loan at the end of the term.与利益，只有你的按揭每月还款为约定的期限内，但这些将只涵盖的利益，在您的贷款。您通常亦要缴交成另一种储蓄或投资计划，将有望还清贷款在年底任期届满。

Flexible features灵活的特点

Some mortgages offer you options to vary your monthly payments, or to combine your mortgage account with savings and other income - these are called flexible, current account and 'offset' mortgages.一些抵押贷款为您提供不同的选择您的每月付款，或结合您的按揭帐户与储蓄和其他收入-这些都是所谓的灵活，经常帐和'抵消'按揭贷款。

Interest rates利息

You'll also find a range of interest rates to choose from.您还会发现一系列的利率选择。 For example, 'variable' and 'tracker' rates change in line with Bank of England rates, 'fixed' rates are fixed for a set number of years, and 'capped' rates have a variable interest rate with a ceiling so your payments won't go above a set amount.举例来说， '变'和'跟踪'利率的变化符合英格兰银行的利率， '固定'利率是固定的一套数年，和'上限'利率有一个可变利率与一个上限，使您的付款韩元'去吨以上的固定金额。

Insurance保险

A lender may require you to take out life insurance to pay off your mortgage should you die.  You can also get insurance to protect your income or just your mortgage payments if you become ill or disabled, or lose your job.贷款人可能会要求您采取了人寿保险来支付您的按揭贷款应你死了，你也可以得到保险，以保障您的收入或只是您的按揭付款，如果你生病或残疾，或失去你的工作。

Repayment Mortgages偿还抵押贷款

A repayment mortgage is paid back over a set number of years with interest.还款按揭是退回超过了一套数年与利益。 Each month you would repay part-capital and part-interest.每个月你会偿还部分资金及部分利息。 The interest element is larger in the initial years.利益因素是较大的在最初几年。

As the mortgage reduces steadily over the years, the amount of interest payable also decreases.由于按揭减少稳步多年来，金额，利息也录得跌幅。 Therefore, over time, your monthly repayment will consist of an increasing amount of capital and a decreasing amount of interest.因此，随着时间的推移，您的每月还款将构成越来越大数额的资本，并减少利息的数额。

Tax relief applies only to interest repayments.税项宽免，只适用于利息还款。 This means that, with a repayment mortgage, tax relief will decrease over time.这意味着，还款抵押贷款，税项宽免，将减少超过时间。

First time buyers can take out a Low Start Capital Repayment Mortgages.第一次买家可以拿出低的启动资金偿还抵押贷款。 This mortgage consists of interest-only repayment for an initial period, followed by a gradual increase in capital repayment.这构成的按揭利息还款，只有一个初级阶段，其次是逐步增加在资本还款。 The initial lower repayments mean higher payments later on.最初的低还款意味着更高的款项在稍后。

You can make lump sum payments off your capital and need to change your payments when interest rates change你可以作出一笔款项脱下你的资本和需要改变您的付款时，利率变化

Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.你家是在风险如果你不跟上还款对抵押权或其他担保的贷款上。

Interest only mortgage 利息只有按揭

With an interest only mortgage you make monthly repayments for an agreed period but this will only cover the interest on your loan. You'll normally also have to pay into another savings or investment plan that'll hopefully pay off the loan at the end of the term.与利益，只有你的按揭每月还款为约定的期限内，但这样做只会支付的利息，您的贷款。您通常亦要缴交成另一种储蓄或投资计划，将有望还清贷款在年底任期届满。

This means you will need to make a separate payment to some form of savings plan, so you can build up a lump sum to pay off the mortgage at the end of the term.这意味着您将需要作出一个单独的付款某种形式的储蓄计划，所以你可以建立一个整笔支付的按揭在任期结束。 There are three main types of savings plans, for example: endowment policies, ISAs or pension plans, for example: endowment policies, ISAs or pension plans.主要有三种类型的储蓄计划，例如：养老政策，研究所或退休金计划，例如：养老政策，研究所或退休金计划。 Its very important to keep up payments as otherwise the funds available to repay the loan are likely to be insufficient.其非常重要的跟上付款，否则提供资金，以偿还贷款，很可能是不够的。 This may mean your home could be at risk.这可能意味着您的家庭可能处于危险之中。 Its important to remember that its your responsibility to ensure that an adequate repayment method is in place.其重要的是要记住，它的，您有责任确保有足够的还款方法是在地方。

Endowment Mortgages养老抵押贷款

An Endowment Mortgage is the simplest type of mortgage. 1养老按揭是最简单类型的按揭贷款。 It consists of a monthly payment made up of:它是一个每月付款组成：

The interest on the loan and a monthly contribution to an endowment (life assurance) policy.该该笔贷款的利息和每月的贡献捐赠（人寿保险）的政策。

The loan itself is paid off in one lump sum with the proceeds of the life assurance policy.贷款本身是回报，在一整笔与收益的生活，保证政策。

During periods of low interest rates, there may even be a surplus left from the policy after paying off your mortgage, although this is not guaranteed.期间，低利率，甚至可能有盈余的左，从政策后见效，您的按揭贷款，虽然这是无法保证。

The benefit of life assurance cover is included, (this will ensure that the mortgage is paid off in the event of premature death during the mortgage term), and you might also receive a lump sum at the end of the mortgage term.受惠人寿保险涵盖包括， （这将确保按揭贷款是支付了这项活动，过早死亡的期间，按揭的任期） ，而您也可能收到一笔在去年底按揭任期。

ISA Mortgage在ISA按揭
With an investment-backed mortgage, your monthly outgoing is split into two parts: interest on the loan and a separate payment into an Individual Savings Account (ISA).与投资支持的抵押贷款，您的每月即将离任的是分成两个部分：该笔贷款的利息和一个单独的付款成为一个个人储蓄帐户（ ISA ）的。 ISA's are tax-privileged investment schemes and comprise three components - cash, stocks and shares and insurance.在ISA的是免税的特权和投资计划包括三个组成部分-现金，股票和保险。 You can opt for a mini or maxi ISA.您可以选择一个小型或Maxi的ISA 。
Individual Savings Accounts offer the attraction of being interest free.个人储蓄帐户提供的吸引力正在利息全免。

These are now being bundled into all-inclusive mortgage packages.这些都是目前正在捆绑到包容一切的按揭套餐。

Like endowment policies you can pay off your mortgage early and possibly generate a tax-free lump sum if the ISA performs better than expected.想养老的政策，您可以还清您的按揭早期，并可能产生一个是免税的一笔，如果ISA的执行比预期要好。

The current state of the equity market needs to be considered.目前国家对产权交易市场的需要，加以考虑。

Pension Mortgages退休金按揭贷款

If you have a personal pension scheme, a Pension Mortgage may be an appropriate option.如果您有一个个人的退休金计划，退休金按揭可能是一个适当的选项。 A pension mortgage is similar to an Endowment Mortgage except that contributions are made into a pension scheme rather than a life assurance policy.退休金按揭是类似一个捐赠按揭，除了作出的贡献，成为一个退休金计划，而不是一个人寿保险的政策。 Each month, you pay the interest on the loan plus a contribution to your personal pension scheme.每个月，您支付该笔贷款的利息，另加贡献，您的个人退休金计划。 The lump sum generated by your pension scheme is then used to pay of the whole mortgage.一笔过所产生的您的退休金计划，然后用来支付的整个按揭。 The main advantages are all three payments are tax free.主要优点是所有三金是免税的。

You will also need to have a separate life assurance policy to cover you in case you die before retiring.您还需要有一个单独的人寿保险政策，以支付你的情况下你死之前退休。

Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.你家是在风险如果你不跟上还款对抵押权或其他担保的贷款上。

The current account mortgage经常帐按揭

With a current account mortgage, all your accounts - savings, mortgage, current account and even loans and credit cards - are pooled.与经常帐按揭，您所有的帐户-储蓄，抵押贷款，现有的帐户，并连贷款及信用卡-汇集。 You have a single cheque book and a debit card.你有一个单一的支票簿和借记卡。

There are no monthly repayments to reduce your debt.有没有按月还款，以减少你的债务。

Instead, any money paid into this one account reduces the amount you owe (lenders normally stipulate that you pay your salary into the account).反之，任何钱存入一个帐户，这减少了你的欠款数额（放款人通常规定，您支付您的工资纳入帐户） 。

All borrowing is charged at the mortgage interest rate, which is lower than personal loan rates and credit card rates and overdraft charges.所有的借款是被控在按揭利息率，这是低于个人贷款利率和信用卡透支利率和收费。

Interest is calculated daily, so every day your current and savings accounts are in credit - the interest on your mortgage will be reduced.利息是每天计算，所以每天您当前和储蓄账户是在信贷-的利益，在您的按揭将会减少。

This could mean paying your mortgage off early.这可能意味着付出您的按揭小康早期。

The interest is calculated on the difference between the combined balance of your current and savings accounts and your mortgage balances.利息计算，之间的差额，合并余额您当前和储蓄帐户和您的按揭贷款余额。

Remortgage remortgage

This is when the terms of the original mortgage are renegotiated, and usually means that the borrower increases the amount that they are borrowing, which is often possible due to a rise in the value of the property.这是当的条款，原按揭贷款是重新谈判，通常是指借款人增加的数额，他们的借贷，这是经常可能由于增加在该财产的价值。 A remortgage may allow the homeowner to repay other debts such as personal loans or credit cards, or it may be a way of paying for home improvements such as a conservatory a loft conversion. 1 remortgage可能允许屋主偿还其他债务，如个人贷款或信用卡，或可能的一种方式支付回家的改善，例如作为一个conservatory的阁楼内的转换。

With a remortgage you could pay-off all your existing commitments, HP, those bad credit card bills - and get the bank manager off your back at the same time!与remortgage你可以支付过您所有的现有承诺，惠普，那些坏的信用卡帐单-并得到银行经理脱下你回在同一时间内！ Just imagine how much less of a problem life would be with just one low manageable monthly repayment with a remortgage.试想一下，有多少问题不大的生活将与刚一低易于管理的每月还款与remortgage 。

Cash Back Mortgage现金回按揭

A cash back mortgage is one where a cash lump sum is paid to the mortgage applicant on completion of the mortgage.现金回按揭是一凡的现金一笔过支付给按揭申请人在完成按揭贷款。

There are two main ways a cash back mortgage can be offered by a mortgage lender.主要有两个方法，现金回按揭可以提供一个抵押贷款。

Cash Back Mortgage with a lenders standard variable rate SVR现金回按揭与放款的标准可变速率SVR的

A cash back mortgage with a lenders standard variable rate, this can offer a large cash back on completion of the mortgage.现金回按揭与放款标准可变利率，这能提供大笔现金回就完成按揭贷款。 This cash back can be as high as 6% of the new mortgage amount and can be used for any purpose.这回的现金可以高达6 ％的新的按揭贷款总额，可用于任何目的。 It is worth noting that the cash back is often paid 2 to 3 weeks after the mortgage has completed, making it difficult to use for a deposit on a house purchase.值得注意的是，现金回往往是付出2至3周后，按揭已完成，因此很难用于存款就购买房屋。

Cash Back Mortgage offered along side another mortgage product现金回按揭提供旁边另一个按揭产品

A cash back mortgage offered along side another mortgage product such as a fixed rate or discount rate scheme, these cash backs are usually a small amount to cover say a refund of the mortgage valuation or contribution towards legal costs for the house purchase/remortgage .现金回按揭提供旁边另一个按揭产品，如固定利率或贴现率计划，这些现金支持通常是一个小数目，以涵盖说，退还抵押估价或贡献的法律费用为购房/ remortgage 。

Self-certification mortgages自我认证按揭贷款

If you run your own business, you might not be able to prove your income in the usual way.如果您有自己的业务，您可能不能够证明你的收入在如常进行。 Most lenders require three years of accounts.最放款需要三年的帐目。

If you haven't been in business that long, you may find it difficult to get a mortgage.如果您有没有在业务上那么久，您可能会发现很难获得抵押贷款。

Even with three years of accounts, your accountant will have minimised your declared income for tax purposes.即使三年的帐目，您的会计师将有减少您的宣布收入为税务目的。

Your lender may determine your borrowing not on your ability to pay but on a figure that doesn't accurately reflect your earnings.您的放款人可确定您的借款没有在您的支付能力，但这一数字并不准确地反映您的收益。

Self-certification lets you declare your income without accounts to back them up.自我认证，您可以申报自己的收入没有户口，回他们。 You or your accountant provides a letter stating your income and ability to meet the repayments.您或您的会计师提供了一个信，说明您的收入和能力，以应付还款。

You will need to provide a large deposit您将需要提供大量的存款

If you are self-employed, don't automatically assume that you need a self-cert mortgage.如果你是自雇，不自动假设您需要一个自我证书按揭。

Many lenders have relaxed their rules, enabling you to avoid the sizeable fees and redemption penalties that can make self-certification costly.许多放款已放宽其议事规则，让您以避免庞大的费用和赎回的罚则，可以自我认证费用昂贵。

Adverse credit mortgages不良信贷抵押贷款
Financial difficulties in the past may not reflect you ability to repay a mortgage today, but it is hard to find a mortgage if you have a poor credit record.财政困难，在过去未必能反映你有能力偿还按揭今天，但它是很难找到的按揭如果你有一个贫穷的信用记录。

Problems include previously incurred mortgage arrears, a county court judgement (CCJ) issued for unpaid debts, or been declared bankrupt.问题包括以前发生的按揭贷款拖欠，一个县的法院判决（哥伦比亚法学家委员会）发出的未付清的债务，或者被宣告破产。 If your debts were large or are unpaid, you may need specialist help.如果您的债务或大或没有报酬，您可能需要专家的帮助。

Specialist lenders (some from the mainstream) can help - at a cost专科放款人（从一些主流）可以帮助-在成本

Interest rates are high: specialist lenders usually charge between 2% and 4% above base rate.利息高：专科放款人通常负责之间的2 ％和4 ％以上的基本利率。

You will need to put down a big deposit.您将需要放下一个大矿床。

A way to avoid higher interest rates is to try and take out a joint mortgage with someone with a clean credit record or find a mortgage guarantor.的方式，以避免较高的利息是尝试，并采取了一次联合按揭与某人与一个清洁的信用记录或找到一个按揭贷款的担保人。

If you keep up with your mortgage and other payments for two years or more, your credit rating will be repaired, enabling you to remortgage.如果您保持与您的抵押贷款和其他款项为两年或两年以上，您的信贷评级将修复，让您remortgage 。

To discourage this, specialist list lenders may cut their rates after an initial period and can also charge redemption penalties, even after any discount period ends.以阻止这一点，专家名单，放款人可能削减他们的利率后，最初期限，还可以收取赎回的刑罚，即使在任何折扣期结束后。

Buy-to-let mortgages 购买到让抵押贷款

Buy-to-let Mortgages vary - you can get an introductory discount, fix or cap - but you revert to the lender's Standard Variable Rate after this period.购买到让抵押贷款有所不同-您就可以得到介绍的折扣，修正或帽-但你回复到放款的标准可变利率后，这一时期。

The amount that you can borrow is determined by the projected rental income.金额，您可以借用，是由预计的租金收入。

To work this out yourself - on average, your rental income will need to exceed your monthly repayments by 25%-30%工作，这一点你自己-平均来说，您的租金收入将需要超过您的每月还款的2 5％ - 30％

Expect to pay a deposit of around 20% of the purchase price.预期交一定的押金约20 ％的购买价格。

Buy to Let Mortgages are mortgages specifically designed for people who want to invest in the property market by purchasing one or more houses and letting them out to tenants.购买，让按揭抵押贷款专为人们谁不想投资在房地产市场购买一个或一个以上的房屋，并让他们给商户。 The Owner is then able to benefit from any appreciation in the capital value of the house itself.业主，然后能够受益于任何赞赏，在资本价值内务本身。 They are also likely to be able to maintain the property and meet much of the loan repayment from the revenue realised by letting.他们也可能能够维持财产和满足大部分的还款从收入变现，让。 The percentage which the buy to let lender is willing to lend is likely to be restricted to 80% of the value of a property.百分比，其中购买，让贷款人愿意借给很可能会被限制在80 ％的价值属性。 The term of a buy-to-let mortgage is likely to be somewhere in the region of 5 to 45 years.任期购买到让按揭很可能是某处在该地区的5至45年。 Interest rates are also likely to be slightly higher than those which a standard mortgage agreement attracts.利息也可能稍高，比那些标准的按揭贷款协议，吸引了。

Libor Mortgage伦敦银行同业拆息按揭

Libor mortgage like the majority of mortgages on the market track a rate.伦敦银行同业拆息按揭一样，大多数的按揭贷款对市场的跟踪率。

Unlike the majority of mortgages that track the Bank of England base rate, Libor mortgage track the London Inter Bank Rate.不同于大多数的按揭贷款追踪英国央行的基本利率，伦敦银行同业拆息按揭追踪伦敦跨银行利率。

These lenders mainly sub-prime and self-cert lenders track LIBOR (the London Inter-Bank Offered Rate), the rate at which banks lend money to each other in the money markets.这些贷款主要分首相和自我证书放款追踪伦敦银行同业拆息（伦敦银行间拆放利率） ，利率在银行借钱给对方，在货币市场。

Most LIBOR mortgages track three month LIBOR.最伦敦银行同业拆息按揭追踪三个月伦敦银行同业拆息。

Offset mortgage抵销按揭

Offset mortgages work in a similar way to current account mortgages, except that your separate accounts are linked rather than completely amalgamated.抵消了抵押贷款的工作，在一个类似的方法，经常帐抵押贷款，除非您单独帐户联系在一起，而不是完全合并。

You can still use your savings to reduce your debts.您仍然可以使用自己的储蓄，以减少你的债务。

The current account mortgage经常帐按揭
With a current account mortgage, all your accounts - savings, mortgage, current account and even loans and credit cards - are pooled.与经常帐按揭，您所有的帐户-储蓄，抵押贷款，现有的帐户，并连贷款及信用卡-汇集。 You have a single cheque book and a debit card.你有一个单一的支票簿和借记卡。

There are no monthly repayments to reduce your debt.有没有按月还款，以减少你的债务。

Instead, any money paid into this one account reduces the amount you owe (lenders normally stipulate that you pay your salary into the account).反之，任何钱存入一个帐户，这减少了你的欠款数额（放款人通常规定，您支付您的工资纳入帐户） 。

All borrowing is charged at the mortgage interest rate, which is lower than personal loan rates and credit card rates and overdraft charges.所有的借款是被控在按揭利息率，这是低于个人贷款利率和信用卡透支利率和收费。

Interest is calculated daily, so every day your current and savings accounts are in credit - the interest on your mortgage will be reduced.利息是每天计算，所以每天您当前和储蓄账户是在信贷-的利益，在您的按揭将会减少。

This could mean paying your mortgage off early.这可能意味着付出您的按揭小康早期。

The interest is calculated on the difference between the combined balance of your current and savings accounts and your mortgage balances.利息计算，之间的差额，合并余额您当前和储蓄帐户和您的按揭贷款余额。

Fixed Rate Mortgage 定息按揭

With a fixed rate mortgage the monthly repayment amount is fixed for a specified period irrespective of changes to the Bank of England's base rate or the lenders standard variable rate.与固定利率按揭贷款每月还款额是固定在指定期间内，不论改变英格兰银行的基本利率或放款的标准可变速率。
Fixed rate mortgage schemes generally last two to five years, although longer terms are available.定息按揭计划，一般在过去两年至五年，虽然较长的条款可用。 At the end of the fixed rate the interest rate reverts to the lenders standard variable rate.上月底，固定息率为利息归还贷款的标准浮动利率。 A fee called an early redemption penalty would apply if you chose to cancel your fixed rate mortgage within the fixed rate period.费称为提前赎回的刑罚适用，如果你选择取消您的定息按揭内的固定利率时期。

Flexible Rate Mortgage灵活的利率抵押贷款

Flexible rate mortgage schemes allow you to overpay and underpay without redemption penalties being charged.灵活的利率按揭计划，让您过多和underpay没有赎回的罚则被起诉。 You can tailor your current financial situation to the mortgage payments that you make.您可以量身打造您目前的财政状况，以按揭付款，您作出。 When you have spare cash you can overpay and if necessary you can underpay, skip a mortgage payment or even borrow money against the capital repaid.当您有备件的现金，您可以过多，如有需要，您可以underpay ，跳过按揭付款或借钱，甚至对资本偿还。

Not all flexible mortgages are the same.并不是所有的灵活的按揭贷款是相同的。 Some will restrict how much you can overpay during a set period, others will only allow minimum amounts and some will allow a maximum amount per month.有些人会限制有多大，您可以在过高的一套期间，他人将只允许的最低数额和一些将允许最高金额为每月。

Restrictions can also apply to borrowing against the capital already repaid.限制，也可以适用于借款对资本已经偿还。 In fact, some mortgages labeled as flexible do not allow you to borrow any money against your mortgage.事实上，一些抵押贷款标示为灵活不容许你借不到钱对你的按揭贷款。 If borrowing is permitted you should check how easy it is to access the cash you require.如果借款是允许你应该检查它是如何的方便存取现金您需要的。

Variable Rate Mortgage可变利率抵押贷款

A variable rate mortgage is based on the lenders standard variable rate.可变利率抵押贷款的基础上，放款标准可变利率。
The lenders standard variable rate is generally affected by movement within the Bank of England's base rate.放款标准可变利率普遍受影响的运动英格兰银行的基本利率。 Standard variable rates vary from lender to lender but are typically 1.5%– 3.5% above the bank of England base rate.标准可变利率不同，从放款人向贷款人，但通常是1.5 ％ -3 .5％以上，英国央行的基本利率。

The interest rate charged will go up and down, broadly in line with interest rates in the economy as a whole, during the lifetime of your mortgage.利息被控将大大上升和下降，大致在符合利率在经济中作为一个整体，在你的一生抵押。 Basically this means that when the interest rate goes up, the amount ou have to pay also goes up.基本上这意味着当利息上升，金额欧要付出还要起来。 Similarly, when the interest rate falls, your payments come down.同样地，当利息下降，您的款项下来。 Some lenders offer a way of levelling out interest rate changes over a year.一些贷款人提供的一种方式趋于指出利率变动超过一年。 The interest rate charged goes up and down in exactly the same way, but it does make it easier to budget for the year ahead.利息被控云向上和向下在完全相同的方式，但它确实使其更易于预算在未来的一年。 Variable rate mortgages may incur early repayment charges, but we will of course advise you of these details if applicable.可变利率抵押贷款，可能会因提早还款收费，但我们当然会告诉你这些细节，如果适用的。

Standard variable rate with cash back标准可变利率与现金回

With these deals you get a cash lump sum as well as the loan when you take out the mortgage.与这些交易你得到一笔现金，以及为贷款当您采取了按揭贷款。 You're usually tied into the variable rate for a set period.您通常绑到可变速率为一套时期。

Discounted Variable Rate Mortgages折扣可变利率抵押贷款

A Discounted Variable Rate Mortgage has an interest rate where a discount is applied to the lenders standard variable rate for a set period.折扣可变利率抵押贷款有利息哪里的折扣是适用于放款标准可变率为一套时期。 As the lenders standard variable rate moves up or down the discounted rate moves up or down by the same amount.作为放款的标准可变速率的动作向上或向下的折扣率的动作向上或向下同样数额。

Discounted rate mortgages are often offered for a set period of time usually two years, though some mortgage lenders now offer discounted rates up to 3 and 5 years.贴现利率抵押贷款，往往提供了一套一段时间，通常是两年，虽然有些按揭贷款，现在提供折扣率高达3和5年。

When you compare discounted rate mortgages it is important to check that the cheap discounted rate mortgages do not have an extended redemption penalty period.当您比较贴现利率抵押贷款是很重要的检查廉价贴现利率抵押贷款没有一个延长赎回刑罚时期。 Extended redemption periods prevent you from the flexibility of changing you mortgage without being charged a redemption penalty.延长赎回期防止您的灵活性，改变你的按揭没有被落案控告一名赎回的刑罚。 They also could tie you to the mortgage lenders variable rate for a number of years after the discounted rate period ends.他们还可以配合您向按揭贷款浮动利率为一些年后，折扣率期结束。

Tracker Rate Mortgage盈富息按揭

Tracker rate mortgage schemes follow movement in the Bank of England base rate at an agreed differential.盈富息按揭计划的后续运动在英伦银行的基本利率在一个商定的差别。
The Tracker rate mortgage is available for a fixed period or the life time of the loan.盈富利率抵押贷款是提供给固定期限或生命时间的贷款。 The most common tracker rate period is 2 years, though mortgage lenders now offer 3 year, 5 year and even 10 year track rate mortgages.最常见的跟踪率期是二年，尽管抵押贷款机构现在提供三年，五年，甚至十年的轨道利率抵押贷款。

If the tracker rate is for a set period of time the mortgage will revert to the lenders standard variable rate at the end of the tracker rate period.如果盈富率是一套一段时间内的按揭将恢复到放款标准可变利率在年底盈富率时期。

Interest calculated daily利息计算每日
Every overpayment has an instant effect on the total amount that you owe if interest is calculated daily rather than annually.每超额具有即时效应对总额为您欠别人的利益，如果是计算每日而不是每年。

Overpayments 超额
You can make regular or occasional extra payments without being subject to any early redemption penalties.您可以定期或不定期的额外支付，没有受到任何提前赎回的惩罚。 This enables you to pay off the loan with less money and pay it off quicker.这样，您就可以还清贷款与更少的钱和支付小康更快。

Underpayments underpayments
You can make reduced payments for one or more months during a period of reduced income or extra expenditure.您可以减少支付的一个或多个个月期间，收入减少，或额外开支。 Many lenders require you to fulfil certain conditions before doing this; you also need to get permission beforehand.许多贷款人要求你履行某些条件下才这样做;你还需要事先得到许可。

Payment holidays 付款假期
You can take a break from paying the mortgage for one or more months.您可以采取休息，从支付按揭为一个或多个个月。 Some lenders limit the frequency of underpayments or holidays, some only permit them after six, 12 or 24 months, and others do not permit them in certain circumstances, such as redundancy.一些贷款限制频率的不足或假期，一些只允许他们六年后， 12个或24个月，和别人不准许他们在某些情况下，如冗余。

Lump sum withdrawals 整笔提款
You can withdraw money up to a pre-agreed borrowing limit, or equal to the sum of overpayments made previously.您可以收回的款项，到预先商定的借款限额，或相等于的总和，超额作出以前。 Since interest is charged at the same rate as the mortgage, this is a cheaper way of borrowing money than through personal loans or credit cards.由于收取利息在同一率作为抵押，这是一个便宜的方式借钱，比通过个人贷款或信用卡。