Common Mortgage Terms & Jargon (F)

A | B | C | D | E | F | G | H | I | L | M | N | P | R | S | T | U | V

Fixed rate
The interest charged on the mortgage is for a set amount for an agreed period of months or years. 

Fixtures
Any item that is attached to a property, and so is legally part of the property. 

Flexible mortgage
A type of mortgage where you can make extra payments and even under payments without paying a charge or penalty. 

FPC
Financial planning certificate. These are professional qualifications for financial advisers. There are FPC Levels I, II, III and IV. Level IV is the highest qualification. 

Freehold
This is when you own the property and the land it is on. 

Freeholder
Someone who owns the freehold of the property. 

Full status
Describes a borrower who can produce proof of income by way of pay slips, P60 or certified accounts to support a mortgage application 

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• the most suitable terms
• no horrendous redemption penalties
• no selling of unnecessary insurance
• no hidden costs
• mortgages, re-mortgages, secured loans and personal loans

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Whilst every effort has been made to ensure that the facts here are correct, no liability is accepted for any errors contained herein or for any loss resulting from actions taken. 

Unless stated all loan and mortgage products are intended for people living in the United Kingdom. Specifically: UK non status mortgages, UK commercial mortgages, UK buy to let mortgages, UK remortgages, UK residential mortgages, UK self build mortgages and UK home owner loans.