Mortgages

Fixed or variable interest rate on a mortgage? We compare the costs, the risk and payment predictability, and help you choose the option best suited to you.

What documents do you need for a mortgage application? A guide to income documents and to documents concerning the property and the down payment.

A mortgage for a single person or a couple — how credit capacity is calculated, the differences, the pros and the risks of a joint commitment. A useful guide.

The bank margin is a fixed part of a mortgage interest rate. See what affects it and how to negotiate a lower margin effectively when signing the contract.

The APRC is the key indicator of the total cost of a loan. Learn what it covers, how it differs from the interest rate and how to compare offers with it.

Down payment for a mortgage: how much you really need, what the bank counts as a down payment, how it affects the loan terms and where to find the missing funds.