The proportion of people who own their own home or have a mortgage has been falling year-on-year since 2005

Mortgages: What should I do if I’ve got a year or two to go on a fixed-rate mortgage?

Adrian Anderson says: “Mortgage offers generally last six months so it is too early to apply for a new deal. However, it isn't too early to take a look at your financial situation and see whether it can be improved. Consider overpaying each month to take advantage of a relatively low interest rate and improve your equity stake in the property for when you come to remortgage.

The proportion of people who own their own home or have a mortgage has been falling year-on-year since 2005

Mortgages: What should I do if I’ve got six-to-12 months to go on a fixed-rate mortgage?

Ray Boulger says: “Start getting advice on the fixed rate options when the period left on the current deal has fallen to seven months.”

The proportion of people who own their own home or have a mortgage has been falling year-on-year since 2005

Mortgages: What should I do if I’ve got three-to-six months to go in a fixed-rate mortgage?

Adrian Anderson of Anderson Harris says: “Ideally, you should already be looking around to see what sort of product you can get at the end of your fixed rate. Speak to an independent broker to see what options are available, particularly if your income has fallen or you've become self-employed since taking out the mortgage.

The proportion of people who own their own home or have a mortgage has been falling year-on-year since 2005

Mortgages: What should I do if I’m on a standard variable rate?

“Those on a typical standard variable rate (which is currently around 4.75 per cent) should already be considering a move to save money,” advises David Hollingworth of London & Country Mortgages. “However they can also take the opportunity to build in some protection against future rate rises. It’s still possible to fix for five years at just below three per cent. For example Norwich & Peterborough BS offers a five year fix at 2.98 per cent to 75 per cent LTV with a £1,295 fee.

Thousands of people facing eviction or repossession every week, says Shelter

More than 215,000 homes in England are at risk of eviction or repossession, reckons Shelter. That’s the equivalent of 4,140 households being threatened every week.

The number of people struggling to pay their mortgage could more than double to 2.3 million households if interest rates rise to three per cent

Millions face becoming ‘mortgage prisoners’ as rise in interest rates could trap to 2.3m homeowners

About 2.3 million householders could become “mortgage prisoners” who struggle to afford their repayments when interest rates rise, according to a report published today.

Would a 0% mortgage tempt you? Be careful...not everyone can benefit

Looking for help to get on the property ladder? A 0% mortgage is likely to prove popular with cash-strapped first-time buyers
Tighter lending rules are intended to make sure borrowers can take out only deals they can afford

18 years of growing returns for buy-to-let

It was back in 1996 that the Association of Residential Letting Agents launched an initiative to encourage more people into buy-to-let investing. Now anyone who made the move is likely to be pleased, according to new figures issued today.

18 years of growing returns for buy-to-let

It was back in 1996 that the Association of Residential Letting Agents launched an initiative to encourage more people into buy-to-let investing. Now anyone who made the move is likely to be pleased, according to new figures issued today.

The best of all worlds for your pension?

A revolution starts in 2015 and new, one-year annuities will allow retirees to bridge the gap. Chiara Cavaglieri asks if it's the right option

Money
You'll need a shoulder to cry on: single mothers seem to be under particular suspicion
comment
Money
Savings could flow your way with a water meter
deals
Money
The actress Honor Blackman at a protest by Equitable Life pensioners in Westminster
A round-up of the personal finance stories you may have missed 23-27 February
Money
comment
Money
Obfuscation? BT's charging policy for its caller display service is confusing many of its customers
comment
Money
Check in to ‘The Grand Budapest Hotel’ with a special TV deal
deals
Money
A police pulls a car over as part of a drive to inform motorists of the risk of using a phone while driving
A round-up of the personal finance stories you may have missed 16-20 February
Money
See the big picture: the TV that looks cheap with rent-to-own may be anything but
comment
Money
Enter our competition to win the smartphone
deals
Money
People making contactless payments will soon be able to spend up to £30 at a time with a swipe of their card
A round-up of the personal finance stories you may have missed 9-13 February
Money
MPs have highlighted the dodgy practices by high street retailers that flog sofas and fridges at high interest rates and demand intervention by the City Watchdog
Rent-to-own investigation demanded
Money
Raise a glass to lower bills ... but bear in mind that prices aren't falling across the board
comment
Money
The lights of love: LED Hut's range is available at 30 per cent off
deals
Money
There’s more good news for mortgage borrowers as five year fixed rates slip ever lower
A round-up of the personal finance stories you may have missed 2-6 February
Money
Energy bill rip-off, cut-priced insurance and exit fees warning for investors
Money
For £89.98 you could fly to Bergerac in the Dordogne
deals
Money
All of the Big Six energy companies slipped to the bottom fifth of the table
A round-up of the personal finance stories you may have missed 26-30 January
Money
Tax deadline and pension protection
Money
Get reductions of half price or more on nail polishes
deals
Money
London is the UK’s burglary claim capital according to Moneysupermarket’s annual Burglary Claims Tracker
A round-up of the personal finance stories you may have missed 19-23 January
Financial products from our partners
Property search
On Google+
The Independent
 
The Independent on Google+
i100
i100 on Google+
i Newspaper
 
TheIPaper
The Independent around the web
Have you tried new the Independent Digital Edition apps?
Independent Dating
and  

By clicking 'Search' you
are agreeing to our
Terms of Use.

Property search
iJobs Job Widget
iJobs Money & Business

SThree: HR Benefits Manager

£40000 - £50000 per annum + pro rata: SThree: SThree Group have been well esta...

Recruitment Genius: Office Manager / Financial Services

£30000 - £37000 per annum: Recruitment Genius: Established in 1999, a highly r...

Jemma Gent: Year End Accountant

£250-£300 Day Rate: Jemma Gent: Are you a qualified accountant with strong exp...

Jemma Gent: Management Accountant

£230 - £260 Day Rate: Jemma Gent: Do you want to stamp your footprint in histo...

ES Rentals

    Day In a Page

    Independent Travel
    Pompeii, Capri & the Bay of Naples
    Seven Cities of Italy
    Burgundy, the River Rhone & Provence
    Prague, Budapest and Vienna
    Lake Garda
    3.	Provence 6 nights B&B by train from £599pp
    Prices correct as of 20 February 2015
    HIV pill: Scientists hail discovery of 'game-changer' that cuts the risk of infection among gay men by 86%

    Scientists hail daily pill that protects against HIV infection

    Breakthrough in battle against global scourge – but will the NHS pay for it?
    How we must adjust our lifestyles to nature: Welcome to the 'Anthropocene', the human epoch

    Time to play God

    Welcome to the 'Anthropocene', the human epoch where we may need to redefine nature itself
    MacGyver returns, but with a difference: Handyman hero of classic 1980s TV series to be recast as a woman

    MacGyver returns, but with a difference

    Handyman hero of classic 1980s TV series to be recast as a woman
    Tunnel renaissance: Why cities are hiding roads down in the ground

    Tunnel renaissance

    Why cities are hiding roads underground
    'Backstreet Boys - Show 'Em What You're Made Of': An affectionate look at five middle-aged men

    Boys to men

    The Backstreet Boys might be middle-aged, married and have dodgy knees, but a heartfelt documentary reveals they’re not going gently into pop’s good night
    Crufts 2015: Should foreign dogs be allowed to compete?

    Crufts 2015

    Should foreign dogs be allowed to compete?
    10 best projectors

    How to make your home cinema more cinematic: 10 best projectors

    Want to recreate the big-screen experience in your sitting room? IndyBest sizes up gadgets to form your film-watching
    Manchester City 1 Barcelona 2 player ratings: Luis Suarez? Lionel Messi? Joe Hart? Who was the star man?

    Manchester City vs Barcelona player ratings

    Luis Suarez? Lionel Messi? Joe Hart? Who was the star man at the Etihad?
    Arsenal vs Monaco: Monaco - the making of Gunners' manager Arsene Wenger

    Monaco: the making of Wenger

    Jack Pitt-Brooke speaks to former players and learns the Frenchman’s man-management has always been one of his best skills
    Cricket World Cup 2015: Chris Gayle - the West Indies' enigma lives up to his reputation

    Chris Gayle: The West Indies' enigma

    Some said the game's eternal rebel was washed up. As ever, he proved he writes the scripts by producing a blistering World Cup innings
    In Ukraine a dark world of hybrid warfare and murky loyalties prevails

    In Ukraine a dark world of hybrid warfare

    This war in the shadows has been going on since the fall of Mr Yanukovych
    'Birdman' and 'Bullets Over Broadway': Homage or plagiarism?

    Homage or plagiarism?

    'Birdman' shares much DNA with Woody Allen's 'Bullets Over Broadway'
    Broadchurch ends as damp squib not even David Tennant can revive

    A damp squib not even David Tennant can revive

    Broadchurch, Series 2 finale, review
    A Koi carp breeding pond, wall-mounted iPads and a bathroom with a 'wellness' shower: inside the mansion of Germany's 'Bishop of Bling'

    Inside the mansion of Germany's 'Bishop of Bling'

    A Koi carp breeding pond, wall-mounted iPads and a bathroom with a 'wellness' shower