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	<title>123 Mortgages - Find out about getting a mortgage</title>
	<link>http://www.123-mortgages.co.uk</link>
	<description>UK mortgage blog</description>
	<lastBuildDate>Sun, 13 Feb 2011 22:05:13 +0000</lastBuildDate>
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	<language>en</language>
	
	<item>
		<title>What is remortgaging?</title>
		<description><![CDATA[
			
				
			
		
Remortgaging is when you move your mortgage to a lender with a lower interest rate. It’s a good way of saving money – providing that you find the right deal.
Even a small reduction in your interest rate will translate into a saving of hundreds of pounds. However, before deciding to remortgage your home, it’s essential [...]]]></description>
		<link>http://www.123-mortgages.co.uk/what-is-remortgaging/</link>
			</item>
	<item>
		<title>Going through an estate agent</title>
		<description><![CDATA[
			
				
			
		
Estate agents will often try to sell you a mortgage, alongside the house you’ve just purchased. However, it’s doubtful that they’ll give you a good deal.
Frequently, estate agents will claim to be independent mortgage advisors, when they’re actually in partnership with just one lender. Your estate agent gains commission from the deal, but you’re unlikely [...]]]></description>
		<link>http://www.123-mortgages.co.uk/going-through-an-estate-agent/</link>
			</item>
	<item>
		<title>How to check up on a mortgage broker</title>
		<description><![CDATA[
			
				
			
		
The Financial Services Authority regulates the mortgage industry – authorised mortgage brokers are listed on their register. To check whether your mortgage advisor is registered, simply type in the name of their firm, or reference number, at http://www.fsa.gov.uk/register/
It’s essential that your mortgage broker is registered. If you act on advice given by an unauthorised firm [...]]]></description>
		<link>http://www.123-mortgages.co.uk/check-broker/</link>
			</item>
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		<title>What do mortgage brokers charge?</title>
		<description><![CDATA[
			
				
			
		
The first meeting with your mortgage broker is usually free, following that, an hourly charge of £50 to £150 (plus VAT) is typical. Sometimes you can negotiate that your broker receives commission from the deal instead. 
Always ensure that your mortgage broker explains their charges on your first meeting – you should receive an Initial [...]]]></description>
		<link>http://www.123-mortgages.co.uk/charges-brokers/</link>
			</item>
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		<title>Getting a mortgage through a mortgage broker</title>
		<description><![CDATA[
			
				
			
		
There are several types of mortgage broker you can consult – it’s important to be aware of the differences between them in order to ensure you get the best possible advice.
From 1st June 2005, government regulations stipulated the following classes of mortgage broker:
Tied Brokers
Employed by one lender, this type of broker can offer only a [...]]]></description>
		<link>http://www.123-mortgages.co.uk/mortgage-broker/</link>
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