{"id":2229,"date":"2025-07-13T20:33:21","date_gmt":"2025-07-13T20:33:21","guid":{"rendered":"https:\/\/dovc.co.uk\/hk\/?p=2229"},"modified":"2025-07-13T20:33:24","modified_gmt":"2025-07-13T20:33:24","slug":"mortgage-101-%e8%8b%b1%e6%a0%bc%e8%98%ad%e6%8c%89%e6%8f%ad%e8%b2%b8%e6%ac%be-101","status":"publish","type":"post","link":"https:\/\/dovc.co.uk\/hk\/mortgage-101-%e8%8b%b1%e6%a0%bc%e8%98%ad%e6%8c%89%e6%8f%ad%e8%b2%b8%e6%ac%be-101\/","title":{"rendered":"Mortgage 101 \u82f1\u683c\u862d\u6309\u63ed\u8cb8\u6b3e 101"},"content":{"rendered":"\n<p>There is a rising LTVs trend to help First-Time Buyers, so people can buy first house with smaller deposits. Also, many people wonder what factors would affect the products, would better credit score would imply better offers? Let\u2019s discuss Loan to Value (LTV) and products in the UK mortgage market.<\/p>\n\n\n\n<p>1, What\u2019s Loan to Value?<\/p>\n\n\n\n<p>The Loan-to-Value (LTV) ratio is a critical factor in the mortgage market, as it determines the size of the mortgage relative to the property\u2019s value, expressed as a percentage. It significantly impacts the types of mortgage products available, interest rates, and eligibility criteria. For example<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Property value: \u00a3200,000<\/li>\n\n\n\n<li>Deposit: \u00a320,000 (10%)<\/li>\n\n\n\n<li>Mortgage required: \u00a3180,000<\/li>\n\n\n\n<li>LTV = (\u00a3180,000 \u00f7 \u00a3200,000) \u00d7 100 = 90%<\/li>\n<\/ul>\n\n\n\n<p>A lower LTV (e.g., 60%) indicates a larger deposit or more equity, while a higher LTV (e.g., 95%) means a smaller deposit and higher borrowing.<\/p>\n\n\n\n<p>2, What factors would determine the product offers?<\/p>\n\n\n\n<p>UK lenders typically categorize mortgage products into LTV bands, often in increments of 5% (e.g., 60%, 75%, 80%, 90%, 95%). Each band affects the availability of products, interest rates, and terms. A satisfactory credit score would be essential to get a mortgage, but LTV is the key main factor in determining the products for most high street lenders. A higher credit score will not give you better products. Borrowers with a higher deposit, eg, 40% or more would be considered low-risk by lenders.<\/p>\n\n\n\n<p>3, What kinds of products are available?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Products Available:\n<ul class=\"wp-block-list\">\n<li>Fixed-rate mortgages: Highly competitive 2-year or 5-year fixed rates. Would remain fixed during the period, regardless market up and down<\/li>\n\n\n\n<li>Tracker mortgages: Often linked to the Bank of England Base Rate, can reflect the up and time more timely.\u00a0<\/li>\n\n\n\n<li>Green mortgages: Some lenders, like Barclays, offer incentives (e.g., cashback) for energy-efficient properties (EPC A or B)\u00a0<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Products can be mixed of above, eg, fixed 2 year green product.<\/p>\n\n\n\n<p>4, What can I do when my fixed rate products mature?<\/p>\n\n\n\n<p>When your fixed-rate mortgage matures, you\u2019ll typically have several options&nbsp;<\/p>\n\n\n\n<p>A, Product transfer or stay with existing bank: In general three months before your fixed rate product mature, you can renew the product with existing lender, without providing any income evidences. It\u2019s the fastest and most convenient way.&nbsp;<\/p>\n\n\n\n<p>B, Remortgage with a New Lender: Explore remortgaging with a different lender for better rates or terms. This involves a new application process, including credit checks and affordability assessments. Be mindful of exit fees from your current lender and setup costs for the new mortgage.<\/p>\n\n\n\n<p>C, Revert to Your Lender\u2019s Standard Variable Rate (SVR):If you don\u2019t choose a new product, you\u2019ll likely default to your lender\u2019s SVR. This rate is typically higher and more expensive, so it\u2019s often not the best long-term option. If clients are planning to sell the property shortly, it\u2019s good to doing nothing to avoid the early repayment charge.&nbsp;<\/p>\n\n\n\n<p>\u82f1\u570b\u6309\u63ed\u5e02\u5834\u4e2dLTV\u6b63\u5728\u4e0a\u5347\uff0c\u4ee5\u5e6b\u52a9\u9996\u6b21\u7f6e\u696d\u8005\uff0c\u4f7f\u4ed6\u5011\u80fd\u5920\u4ee5\u8f03\u5c0f\u7684\u9996\u4ed8\u8cfc\u8cb7\u9996\u5957\u623f\u7522\u3002\u6b64\u5916\uff0c\u8a31\u591a\u4eba\u597d\u5947\u54ea\u4e9b\u56e0\u7d20\u6703\u5f71\u97ff\u6309\u63ed\u7522\u54c1\uff0c\u4ee5\u53ca\u66f4\u9ad8\u7684\u4fe1\u7528\u8a55\u5206\u662f\u5426\u610f\u5473\u8457\u66f4\u597d\u7684\u7522\u54c1\u9078\u64c7\u3002\u8b93\u6211\u5011\u4f86\u63a2\u8a0eLTV\u53ca\u82f1\u570b\u6309\u63ed\u5e02\u5834\u4e2d\u7684\u7522\u54c1\u3002<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u4ec0\u9ebc\u662f\u6a13\u50f9\u6210\u6578\uff08LTV\uff09\uff1f<\/li>\n<\/ol>\n\n\n\n<p>\u6a13\u50f9\u6210\u6578\uff08Loan-to-Value, LTV\uff09\u662f\u6309\u63ed\u5e02\u5834\u7684\u95dc\u9375\u56e0\u7d20\uff0c\u5b83\u8868\u793a\u6309\u63ed\u8cb8\u6b3e\u91d1\u984d\u76f8\u5c0d\u65bc\u7269\u696d\u50f9\u503c\u7684\u767e\u5206\u6bd4\u3002LTV\u986f\u8457\u5f71\u97ff\u53ef\u7528\u7684\u6309\u63ed\u7522\u54c1\u7a2e\u985e\u3001\u5229\u7387\u548c\u8cc7\u683c\u8981\u6c42\u3002\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u7269\u696d\u50f9\u503c\uff1a\u00a3200,000<\/li>\n\n\n\n<li>\u9996\u4ed8\uff1a\u00a320,000\uff0810%\uff09<\/li>\n\n\n\n<li>\u6240\u9700\u6309\u63ed\u8cb8\u6b3e\uff1a\u00a3180,000<\/li>\n\n\n\n<li>LTV = (\u00a3180,000 \u00f7 \u00a3200,000) \u00d7 100 = 90%<\/li>\n<\/ul>\n\n\n\n<p>\u8f03\u4f4e\u7684LTV\uff08\u4f8b\u598260%\uff09\u8868\u793a\u9996\u4ed8\u8f03\u9ad8\u6216\u7269\u696d\u6b0a\u76ca\u8f03\u591a\uff0c\u800c\u8f03\u9ad8\u7684LTV\uff08\u4f8b\u598295%\uff09\u8868\u793a\u9996\u4ed8\u8f03\u5c0f\uff0c\u501f\u8cb8\u91d1\u984d\u8f03\u9ad8\u3002<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u54ea\u4e9b\u56e0\u7d20\u6c7a\u5b9a\u6309\u63ed\u7522\u54c1\u7684\u9078\u64c7\uff1f<\/li>\n<\/ol>\n\n\n\n<p>\u82f1\u570b\u8cb8\u6b3e\u6a5f\u69cb\u901a\u5e38\u5c07\u6309\u63ed\u7522\u54c1\u6309LTV\u5206\u70ba\u4e0d\u540c\u7d1a\u5225\uff0c\u901a\u5e38\u4ee55%\u70ba\u589e\u91cf\uff08\u4f8b\u598260%\u300175%\u300180%\u300190%\u300195%\uff09\u3002\u6bcf\u500b\u7d1a\u5225\u5f71\u97ff\u7522\u54c1\u7684\u53ef\u7528\u6027\u3001\u5229\u7387\u548c\u689d\u6b3e\u3002\u826f\u597d\u7684\u4fe1\u7528\u8a55\u5206\u662f\u7372\u5f97\u6309\u63ed\u7684<strong>\u57fa\u672c\u8981\u6c42<\/strong>\uff0c\u4f46\u5c0d\u5927\u591a\u6578\u4e3b\u6d41\u8cb8\u6b3e\u6a5f\u69cb\u4f86\u8aaa\uff0cLTV\u662f\u6c7a\u5b9a\u7522\u54c1\u7684\u4e3b\u8981\u56e0\u7d20\u3002\u64c1\u6709\u8f03\u9ad8\u9996\u4ed8\uff08\u4f8b\u598240%\u6216\u4ee5\u4e0a\uff09\u7684\u501f\u6b3e\u4eba\u88ab\u8a8d\u70ba\u98a8\u96aa\u8f03\u4f4e\u3002\u66f4\u9ad8\u7684\u4fe1\u7528\u8a55\u5206\u4e0d\u6703\u70ba\u60a8\u63d0\u4f9b\u66f4\u597d\u7684\u62b5\u62bc\u8cb8\u6b3e\u7522\u54c1\u9078\u64c7\u3002<\/p>\n\n\n\n<p>3. \u6709\u54ea\u4e9b\u6309\u63ed\u7522\u54c1\u7a2e\u985e\uff1f\u53ef\u7528\u7522\u54c1\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u56fa\u5b9a\u5229\u7387\u6309\u63ed\uff1a2\u5e74\u62165\u5e74\u56fa\u5b9a\u5229\u7387\u3002\u5728\u56fa\u5b9a\u671f\u9650\u5167\uff0c\u5229\u7387\u4fdd\u6301\u4e0d\u8b8a\uff0c\u4e0d\u53d7\u5e02\u5834\u6ce2\u52d5\u5f71\u97ff\u3002<\/li>\n\n\n\n<li>\u8ddf\u8e64\u5229\u7387\u6309\u63ed\uff1a\u901a\u5e38\u8207\u82f1\u683c\u862d\u9280\u884c\u57fa\u6e96\u5229\u7387\u639b\u9264\uff0c\u80fd\u66f4\u53ca\u6642\u53cd\u6620\u5e02\u5834\u5229\u7387\u7684\u4e0a\u5347\u6216\u4e0b\u964d\u3002<\/li>\n\n\n\n<li>\u7da0\u8272\u6309\u63ed\uff1a\u4e00\u4e9b\u8cb8\u6b3e\u6a5f\u69cb\uff08\u5982Barclays\uff09\u70ba\u7bc0\u80fd\u7269\u696d\uff08EPC A\u6216B\uff09\u63d0\u4f9b\u6fc0\u52f5\u63aa\u65bd\uff0c\u4f8b\u5982\u73fe\u91d1\u56de\u8d08\u3002<\/li>\n\n\n\n<li>\u6df7\u5408\u7522\u54c1\uff1a\u7522\u54c1\u53ef\u7d50\u5408\u4e0a\u8ff0\u7279\u9ede\uff0c\u4f8b\u5982\u56fa\u5b9a2\u5e74\u7684\u7da0\u8272\u6309\u63ed\u7522\u54c1\u3002<\/li>\n<\/ul>\n\n\n\n<p>4. \u7576\u6211\u7684\u56fa\u5b9a\u5229\u7387\u7522\u54c1\u5230\u671f\u6642\uff0c\u6211\u53ef\u4ee5\u505a\u4ec0\u9ebc\uff1f<br>\u7576\u60a8\u7684\u56fa\u5b9a\u5229\u7387\u62b5\u62bc\u8cb8\u6b3e\u5230\u671f\u6642\uff0c\u60a8\u901a\u5e38\u6709\u4ee5\u4e0b\u5e7e\u500b\u9078\u64c7<\/p>\n\n\n\n<p>A. \u7522\u54c1\u8f49\u63db\u6216\u7e8c\u7559\u73fe\u6709\u9280\u884c\uff1a<br>\u4e00\u822c\u5728\u56fa\u5b9a\u5229\u7387\u7522\u54c1\u5230\u671f\u524d\u4e09\u500b\u6708\uff0c\u60a8\u53ef\u4ee5\u8207\u73fe\u6709\u8cb8\u6b3e\u6a5f\u69cb\u7e8c\u7d04\u65b0\u7522\u54c1\uff0c\u7121\u9700\u63d0\u4f9b\u4efb\u4f55\u6536\u5165\u8b49\u660e\u3002\u9019\u662f\u6700\u5feb\u3001\u6700\u65b9\u4fbf\u7684\u65b9\u5f0f\u3002&nbsp;<\/p>\n\n\n\n<p>B. \u8207\u65b0\u8cb8\u6b3e\u6a5f\u69cb\u91cd\u65b0\u62b5\u62bc\uff1a<br>\u63a2\u7d22\u8207\u5176\u4ed6\u8cb8\u6b3e\u6a5f\u69cb\u91cd\u65b0\u62b5\u62bc\u4ee5\u7372\u5f97\u66f4\u597d\u7684\u5229\u7387\u6216\u689d\u6b3e\u3002\u9019\u6d89\u53ca\u65b0\u7684\u7533\u8acb\u6d41\u7a0b\uff0c\u5305\u62ec\u4fe1\u7528\u6aa2\u67e5\u548c\u8ca1\u52d9\u80fd\u529b\u8a55\u4f30\u3002\u6ce8\u610f\u73fe\u6709\u8cb8\u6b3e\u6a5f\u69cb\u7684\u9000\u51fa\u8cbb\u7528\u548c\u65b0\u62b5\u62bc\u7684\u8a2d\u7acb\u6210\u672c\u3002&nbsp;<\/p>\n\n\n\n<p>C. \u8f49\u70ba\u8cb8\u6b3e\u6a5f\u69cb\u7684\u6a19\u6e96\u8b8a\u52d5\u5229\u7387\uff08SVR\uff09\uff1a<br>\u82e5\u60a8\u4e0d\u9078\u64c7\u65b0\u7522\u54c1\uff0c\u62b5\u62bc\u8cb8\u6b3e\u5c07\u9ed8\u8a8d\u70ba\u8cb8\u6b3e\u6a5f\u69cb\u7684\u6a19\u6e96\u8b8a\u52d5\u5229\u7387\u3002\u6b64\u5229\u7387\u901a\u5e38\u8f03\u9ad8\u4e14\u8cbb\u7528\u8f03\u8cb4\uff0c\u9577\u671f\u4f86\u770b\u4e26\u975e\u6700\u4f73\u9078\u64c7\u3002\u82e5\u5ba2\u6236\u8a08\u5283\u77ed\u671f\u5167\u51fa\u552e\u7269\u696d\uff0c\u5247\u53ef\u9078\u64c7\u4e0d\u63a1\u53d6\u884c\u52d5\u4ee5\u907f\u514d\u63d0\u524d\u9084\u6b3e\u8cbb\u7528\u3002<\/p>\n\n\n\n<p>\ud83d\udce2&nbsp;<strong>\u52a0\u5165\u300a\u82f1\u570b\u751f\u6d3b\u6642\u4e8b\u53f0\u300b\uff08DOVC.co.uk\uff09\u793e\u7fa4\uff01<\/strong>&nbsp;\ud83c\uddec\ud83c\udde7<\/p>\n\n\n\n<p>\ud83d\udc4b \u60f3\u638c\u63e1\u82f1\u570b\u6700\u65b0\u751f\u6d3b\u8cc7\u8a0a\u3001\u65b0\u805e\u6642\u4e8b\u3001\u653f\u7b56\u8b8a\u5316\uff0c\u6216\u8207\u5728\u82f1\u5925\u4f34\u4ea4\u6d41\u7d93\u9a57\uff1f\u6b61\u8fce\u52a0\u5165&nbsp;<strong>\u82f1\u570b\u751f\u6d3b\u6642\u4e8b\u53f0\uff08DOVC.co.uk\uff09<\/strong>\uff0c\u4e00\u8d77\u8a0e\u8ad6\u3001\u5206\u4eab\u6709\u7528\u8cc7\u8a0a\uff01<\/p>\n\n\n\n<p>\ud83d\udccc&nbsp;<strong>\u793e\u7fa4\u7279\u8272<\/strong>\uff1a<br>\u2705 \u5373\u6642\u66f4\u65b0\u82f1\u570b\u6642\u4e8b\u8207\u653f\u7b56<br>\u2705 \u4ea4\u6d41\u82f1\u570b\u751f\u6d3b\u3001\u79fb\u6c11\u3001\u5de5\u4f5c\u3001\u5b78\u7fd2\u7b49\u8cc7\u8a0a<br>\u2705 \u8207\u5fd7\u540c\u9053\u5408\u7684\u670b\u53cb\u4e92\u76f8\u5e6b\u52a9<\/p>\n\n\n\n<p>\ud83d\udcf2&nbsp;<strong>\u7acb\u5373\u52a0\u5165\u6211\u5011\uff01<\/strong><\/p>\n\n\n\n<p>\ud83d\udd39&nbsp;<strong>WhatsApp \u7fa4\u7d44<\/strong>&nbsp;\ud83d\udc49<a href=\"https:\/\/chat.whatsapp.com\/BZ3AsOqVtF2BtQSqVFZ9ar\" target=\"_blank\" rel=\"noreferrer noopener\">&nbsp;\u9ede\u6b64\u52a0\u5165<br><\/a>\ud83d\udd39&nbsp;<strong>Facebook \u7c89\u7d72\u5c08\u9801<\/strong>&nbsp;\ud83d\udc49<a href=\"https:\/\/www.facebook.com\/dovcuk\" target=\"_blank\" rel=\"noreferrer noopener\">&nbsp;\u95dc\u6ce8\u6211\u5011<\/a><\/p>\n\n\n\n<p>\u6b61\u8fce\u4f60\u7684\u52a0\u5165\uff0c\u4e00\u8d77\u63a2\u7d22\u82f1\u570b\u751f\u6d3b\uff01\ud83c\udf89<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There is a rising LTVs trend to help First-Time Buyers, so people can buy first house with 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