Loan to income vs loan to value: what does it all mean?

Loan to income and loan to value (or LTV) are phrases you often hear in the mortgage industry. The two terms are easy to mix up, understandably, but they are very different. It’s important to know the difference because both loan to income and loan to value are key factors used to determine how much you can borrow for a mortgage. 
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Critical illness cover vs income protection: do you need both?

Critical illness cover and income protection are often confused, with many people assuming if they have one, they don’t need the other. However, these policies and the cover they provide do offer different benefits, so let us explain the difference, and why it’s often worth having both.
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What is ‘specialist lending’?

Specialist lending is a phrase you might hear batted about by mortgage advisers, but what does it mean? And if someone’s suggested it as an option for you, you might be wondering if it’s a bad thing. Well, here is our guide to everything specialist lending.
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