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Jargon Buster

To help you navigate through the sometimes confusing language of home finance we have translated, into plain English, some of the most common and often confusing terms you may come across!

  • APR
  • Arrangement Fees
  • Bank of England Base Rate
  • Bridging Loan
  • Buy To Let
  • Capital and Interest
  • Capital Repayment
  • Capped Rate Mortgage
  • CAT Mortgage (Charges Access Terms)
  • Commercial Mortgage
  • Completion
  • Conveyancing
  • Credit Problems
  • Decreasing Term Assurance
  • Deposit
  • Disbursements
  • Discount Rate
  • Early Redemption Charge
  • Endowment Assurance
  • Endowment Mortgage
  • Equity
  • Exchange of Contracts
  • First Time Buyer Mortgage
  • First Time Buyer
  • Fixed Rate
  • Freehold
  • Gazumping
  • Higher Lending Charge
  • Interest Charges
  • Interest Only
  • Leasehold
  • Legal Fees
  • Level Term Assurance
  • MIRAS
  • Mortgage Rate
  • Mortgage
  • Mortgagee
  • Mortgagor
  • Negative Equity
  • Offer of Loan
  • Pension Plan Mortgage
  • Re-mortgaging
  • Right-to-Buy Mortgages
  • Searches
  • Self Build Scheme
  • Stamp Duty
  • Subject To Contract
  • Survey
  • Term
  • Title
  • Title Deeds
  • Tracker Mortgage
  • Transfer Deed
  • Valuation
  • Variable Rate
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

TJ Oliver & Associates charge a fee for financial advice dependent upon circumstances. Typical fee £200 application fee and £200 completion fee. This is in addition to commission that we receive from the Lender.

 We also offer a fee only option for mortgage advice. The amount will depend upon your circumstances but we estimate this will usually be a fee of 3% of the mortgage amount plus a fee of £200 payable on completion. Any commission paid by the lender will be used to reduce the fee payable.

The overall cost for comparison is 8.7% APR for customers who may have their access to credit restricted.

T J Oliver & Associates is an Appointed representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Services Authority. Registration number 305330, in respect of mortgage and insurance mediation activities only.
Details of which can be found by visiting www.fsa.gov.uk