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\author{Dave Child (DaveChild)}
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  /Creator (Cheatography)
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  /Subject (Mortgage Jargon Glossary Cheat Sheet)
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    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{Mortgage Jargon Glossary Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{Dave Child (DaveChild)} via \textcolor{DarkBackground}{\uline{cheatography.com/1/cs/31164/}}}
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  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}Dave Child (DaveChild) \\
  \uline{cheatography.com/davechild} \\
        \uline{\seqsplit{aloneonahill}.com}
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  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Published 4th March, 2022.\\
   Updated 14th March, 2022.\\
   Page {\thepage} of \pageref{LastPage}.
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  Measure your website readability!\\
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\begin{multicols*}{2}

\begin{tabularx}{8.4cm}{x{3.6 cm} x{4.4 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{General Mortgage Glossary}}  \tn
% Row 0
\SetRowColor{LightBackground}
\{\{nobreak\}\}Agreement in principle & A document from a lender indicating they may, based on the information they've received, be able to offer that much as a mortgage to the borrower. \tn 
% Row Count 7 (+ 7)
% Row 1
\SetRowColor{white}
\{\{nobreak\}\}Arrangement fee & A fee from the lender to cover their costs for arranging the mortgage. \tn 
% Row Count 11 (+ 4)
% Row 2
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\{\{nobreak\}\}Arrears & Arrears means money owed to the lender which has not been paid on time. \tn 
% Row Count 15 (+ 4)
% Row 3
\SetRowColor{white}
\{\{nobreak\}\}Booking fee & A fee from the lender to cover their costs for arranging the mortgage. \tn 
% Row Count 19 (+ 4)
% Row 4
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\{\{nobreak\}\}Broker & An adviser who can help you arrange a mortgage. \tn 
% Row Count 22 (+ 3)
% Row 5
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\{\{nobreak\}\}Buy-to-let & A property the borrower intends to let out instead of live in. \tn 
% Row Count 25 (+ 3)
% Row 6
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\{\{nobreak\}\}Capital & The money you borrow to buy a property. \tn 
% Row Count 27 (+ 2)
% Row 7
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\{\{nobreak\}\}Conveyancing & The legal process of buying or selling property. \tn 
% Row Count 30 (+ 3)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{8.4cm}{x{3.6 cm} x{4.4 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{General Mortgage Glossary (cont)}}  \tn
% Row 8
\SetRowColor{LightBackground}
\{\{nobreak\}\}Deposit & The amount of money the borrower puts forward to buy the property, which together with the capital should add up to the total purchase price. \tn 
% Row Count 7 (+ 7)
% Row 9
\SetRowColor{white}
\{\{nobreak\}\}Early repayment charge & A fee the borrower pays to repay some or all of the mortgage early. \tn 
% Row Count 11 (+ 4)
% Row 10
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\{\{nobreak\}\}Equity & The amount of the property that the borrower owns outright. The value of the property less the amount outstanding on the mortgage. \tn 
% Row Count 17 (+ 6)
% Row 11
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\{\{nobreak\}\}Equity release scheme & A system allowing people to take some of the equity out of their home. \tn 
% Row Count 21 (+ 4)
% Row 12
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\{\{nobreak\}\}Freehold & The property owner also owns the land the property stands on. \tn 
% Row Count 24 (+ 3)
% Row 13
\SetRowColor{white}
\{\{nobreak\}\}Gazumping & This is when an offer has been accepted by the seller, but a second (higher) offer is made and the seller accepts that instead. \tn 
% Row Count 30 (+ 6)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{8.4cm}{x{3.6 cm} x{4.4 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{General Mortgage Glossary (cont)}}  \tn
% Row 14
\SetRowColor{LightBackground}
\{\{nobreak\}\}Guarantor & A third party who agrees to pay the mortgage payments if the borrower does not. \tn 
% Row Count 4 (+ 4)
% Row 15
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\{\{nobreak\}\}Higher lending charge & This is an additional fee charged by some lenders if the LTV is very high. \tn 
% Row Count 8 (+ 4)
% Row 16
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\{\{nobreak\}\}Intermediary & An advisor who can help arrange a mortgage. \tn 
% Row Count 10 (+ 2)
% Row 17
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\{\{nobreak\}\}Land Registry & The official body responsible for maintaining details of property ownership. \tn 
% Row Count 14 (+ 4)
% Row 18
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\{\{nobreak\}\}Leasehold & The property owner does not own the land the property stands on. \tn 
% Row Count 17 (+ 3)
% Row 19
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\{\{nobreak\}\}Loan-to-value & The percentage of the value of the property that is being borrowed. \tn 
% Row Count 21 (+ 4)
% Row 20
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\{\{nobreak\}\}Monthly repayment & The amount the borrower pays each month to the lender. \tn 
% Row Count 24 (+ 3)
% Row 21
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\{\{nobreak\}\}Mortgage deed & The official contract between the lender and borrower covering the terms of the loan. \tn 
% Row Count 28 (+ 4)
% Row 22
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\{\{nobreak\}\}Mortgage term & The length of time the borrower will owe money to the lender, if they do not make any early repayments. \tn 
% Row Count 33 (+ 5)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{8.4cm}{x{3.6 cm} x{4.4 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{General Mortgage Glossary (cont)}}  \tn
% Row 23
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\{\{nobreak\}\}Negative equity & This is when the value of the property drops enough that the amount outstanding on the mortgage is less than the value of the property. \tn 
% Row Count 7 (+ 7)
% Row 24
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\{\{nobreak\}\}Portability & This is where the borrower can transfer their mortgage to a new property without arrangement or early repayment fees. \tn 
% Row Count 13 (+ 6)
% Row 25
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\{\{nobreak\}\}Repayment vehicle & Part of interest-only mortgages, where the mechanism by which the capital is to be repaid is specified. \tn 
% Row Count 18 (+ 5)
% Row 26
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\{\{nobreak\}\}Service charge & The fees charged by the freeholder to the owner of a leasehold property. \tn 
% Row Count 22 (+ 4)
% Row 27
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\{\{nobreak\}\}Stamp duty & A tax on property sales, charged by the government. \tn 
% Row Count 25 (+ 3)
% Row 28
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\{\{nobreak\}\}Tie-in period & The length of time for which the borrower would incur an early repayment fee if they attempted to remortgage with another lender. \tn 
% Row Count 31 (+ 6)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
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\begin{tabularx}{8.4cm}{x{3.6 cm} x{4.4 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{General Mortgage Glossary (cont)}}  \tn
% Row 29
\SetRowColor{LightBackground}
\{\{nobreak\}\}Underwriter & The person or organisation which approves the borrower's mortgage. \tn 
% Row Count 3 (+ 3)
% Row 30
\SetRowColor{white}
\{\{nobreak\}\}Valuation survey & A survey by the lender to confirm the property is worth enough to secure their loan. \tn 
% Row Count 7 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{3.6 cm} x{4.4 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Interest Rate Terms}}  \tn
% Row 0
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\{\{nobreak\}\}APR & A rate designed to help understand the cost of borrowing, including charges as well as interest. \tn 
% Row Count 5 (+ 5)
% Row 1
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\{\{nobreak\}\}Base rate & An interest rate set by the Bank of England, on which tracker and standard variable rates are usually based. \tn 
% Row Count 10 (+ 5)
% Row 2
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\{\{nobreak\}\}Capped rate & An upper limit above which the interest on a mortgage is not allowed to rise. \tn 
% Row Count 14 (+ 4)
% Row 3
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\{\{nobreak\}\}Collar & A lower limit below which the interest on a mortgage is not allowed to fall. \tn 
% Row Count 18 (+ 4)
% Row 4
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\{\{nobreak\}\}Discounted rate & A rate, typically for a defined period, which is lower than the standard interest rate of the mortgage. \tn 
% Row Count 23 (+ 5)
% Row 5
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\{\{nobreak\}\}Fixed rate & An interest rate which does not change. \tn 
% Row Count 25 (+ 2)
% Row 6
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\{\{nobreak\}\}Standard variable rate & An interest rate which changes, typically based on something like the Bank of England base rate. \tn 
% Row Count 30 (+ 5)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
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\begin{tabularx}{8.4cm}{x{3.76 cm} x{4.24 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Types of Mortgage}}  \tn
% Row 0
\SetRowColor{LightBackground}
\{\{nobreak\}\}Cashback mortgage & A mortgage where the initial loan includes some cash as well as the loan for the property. \tn 
% Row Count 5 (+ 5)
% Row 1
\SetRowColor{white}
\{\{nobreak\}\}Current account mortgage & All debts and balances combined into one, so the borrower's balances offset and reduce your debts. \tn 
% Row Count 10 (+ 5)
% Row 2
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\{\{nobreak\}\}Discounted-rate mortgage & A mortgage where the rate is lower than the lender's standard rate. \tn 
% Row Count 14 (+ 4)
% Row 3
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\{\{nobreak\}\}Endowment mortgage & A type of interest-only mortgage where the balance is paid at the end of the term via an investment. \tn 
% Row Count 19 (+ 5)
% Row 4
\SetRowColor{LightBackground}
Family offset mortgage\{\{nobreak\}\} & A mortgage which allows family members to use their savings to offset the interest accrued by first-time buyers. \tn 
% Row Count 25 (+ 6)
% Row 5
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\{\{nobreak\}\}Fixed-rate mortgage & A mortgage where the interest rate stays constant for a set period. \tn 
% Row Count 29 (+ 4)
% Row 6
\SetRowColor{LightBackground}
\{\{nobreak\}\}Flexible mortgage & A mortgage which allows the borrower to overpay or underpay, or take a payment holiday. \tn 
% Row Count 34 (+ 5)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{8.4cm}{x{3.76 cm} x{4.24 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Types of Mortgage (cont)}}  \tn
% Row 7
\SetRowColor{LightBackground}
\{\{nobreak\}\}Interest-only mortgage & A mortgage where the borrower only pays the interest on the loan, with the balance still being due at the end of the term. \tn 
% Row Count 6 (+ 6)
% Row 8
\SetRowColor{white}
\{\{nobreak\}\}Joint mortgage & A mortgage with more than one borrower (for example, a married couple might take a joint mortgage together). \tn 
% Row Count 12 (+ 6)
% Row 9
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\{\{nobreak\}\}Lifetime mortgage & A mortgage where the balance is repaid upon the borrower's death. \tn 
% Row Count 16 (+ 4)
% Row 10
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\{\{nobreak\}\}Offset mortgage & The mortgage and savings are treated as a single entity, so your savings serve to reduce the interest on your mortgage. \tn 
% Row Count 22 (+ 6)
% Row 11
\SetRowColor{LightBackground}
\{\{nobreak\}\}Remortgage & A new mortgage a borrower takes out without moving house, often to improve the interest rate they are paying. \tn 
% Row Count 28 (+ 6)
% Row 12
\SetRowColor{white}
\{\{nobreak\}\}Repayment mortgage & A mortgage where the borrower pay off the interest and the loan each month (as opposed to interest-only). \tn 
% Row Count 33 (+ 5)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{8.4cm}{x{3.76 cm} x{4.24 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Types of Mortgage (cont)}}  \tn
% Row 13
\SetRowColor{LightBackground}
\{\{nobreak\}\}Sub-prime mortgage & A mortgage offered to someone who doesn't reach typical credit requirements for a mortgage. \tn 
% Row Count 5 (+ 5)
% Row 14
\SetRowColor{white}
\{\{nobreak\}\}Tracker mortgage & The interest rate will follow the Bank of England base rate at a set level above it. \tn 
% Row Count 9 (+ 4)
% Row 15
\SetRowColor{LightBackground}
\{\{nobreak\}\}Variable-rate mortgage & The interest rate will follow the standard rate offered by the lender. \tn 
% Row Count 13 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{3.84 cm} x{4.16 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Insurance Terms}}  \tn
% Row 0
\SetRowColor{LightBackground}
Buildings insurance & Insurance that covers damage to the structure of the property. \tn 
% Row Count 4 (+ 4)
% Row 1
\SetRowColor{white}
Contents insurance & Insurance that covers damage to the contents of the property. \tn 
% Row Count 8 (+ 4)
% Row 2
\SetRowColor{LightBackground}
Mortgage payment protection insurance & Insurance that covers the borrower for a time in the event they cannot make mortgage payments. \tn 
% Row Count 13 (+ 5)
% Row 3
\SetRowColor{white}
Rebuild cost & The cost of rebuilding your home if it is destroyed. \tn 
% Row Count 16 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{4 cm} x{4 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Government Buyer Help Schemes}}  \tn
% Row 0
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\{\{nobreak\}\}Help to Buy & One of several government schemes designed to help buyers, including guarantees, ISAs, and equity loans. \tn 
% Row Count 6 (+ 6)
% Row 1
\SetRowColor{white}
\{\{nobreak\}\}Help to Buy ISA, Lifetime ISA & A savings vehicle in which the government will add a bonus to money saved each year. \tn 
% Row Count 11 (+ 5)
% Row 2
\SetRowColor{LightBackground}
\{\{nobreak\}\}Right to Buy scheme & Intended to allow those in social housing to buy their homes. \tn 
% Row Count 15 (+ 4)
% Row 3
\SetRowColor{white}
\{\{nobreak\}\}Shared ownership & Where the borrower buys a share of the property, with their housing association owning the remainder. \tn 
% Row Count 21 (+ 6)
% Row 4
\SetRowColor{LightBackground}
\{\{nobreak\}\}Starter Homes Initiative & Discounted homes for first-time buyers under 40. \tn 
% Row Count 24 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
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\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{2.4 cm} x{5.6 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Acronyms and Initialisms}}  \tn
% Row 0
\SetRowColor{LightBackground}
\{\{width=25\}\}{\emph{AIP}} & \{\{width=75\}\}Agreement in principle. A document from a lender indicating they may, based on the information they've received, be able to offer that much as a mortgage to the borrower. \tn 
% Row Count 7 (+ 7)
% Row 1
\SetRowColor{white}
{\emph{APR}} & Annual Percentage Rate. The cost of the mortgage on an annual basis. \tn 
% Row Count 10 (+ 3)
% Row 2
\SetRowColor{LightBackground}
{\emph{BTL}} & But-To-Let. A type of mortgage intended for people who are borrowing so they can buy a property they intend to let out instead of live in. \tn 
% Row Count 15 (+ 5)
% Row 3
\SetRowColor{white}
{\emph{CAM}} & Current Account Mortgage. All debts and balances combined into one, so the borrower's balances offset and reduce their debts. \tn 
% Row Count 20 (+ 5)
% Row 4
\SetRowColor{LightBackground}
{\emph{CCJ}} & County Court Judgement. When debts go to court, a CCJ may be issued, and that remains on a credit report for six years. \tn 
% Row Count 25 (+ 5)
% Row 5
\SetRowColor{white}
{\emph{DIP}} & Decision in principle (see {\emph{AIP}} above) \tn 
% Row Count 27 (+ 2)
% Row 6
\SetRowColor{LightBackground}
{\emph{CI}} & Critical Illness. Related to insurance a borrower can take out to cover them if illness makes them unable to work. \tn 
% Row Count 32 (+ 5)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
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\begin{tabularx}{8.4cm}{x{2.4 cm} x{5.6 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Acronyms and Initialisms (cont)}}  \tn
% Row 7
\SetRowColor{LightBackground}
{\emph{ERC}} & Early Repayment Charge. The penalty fees incurred by repaying some or all of the mortgage early. \tn 
% Row Count 4 (+ 4)
% Row 8
\SetRowColor{white}
{\emph{LTV}} & Loan-to-Value. The percentage of the value of the property that is being borrowed. \tn 
% Row Count 7 (+ 3)
% Row 9
\SetRowColor{LightBackground}
{\emph{MPPI}} & Mortgage Payment Protection Insurance. Insurance that covers the borrower for a time in the event they cannot make mortgage payments. \tn 
% Row Count 12 (+ 5)
% Row 10
\SetRowColor{white}
{\emph{RIO}} & Retirement Interest Only. A retirement mortgage where the borrower only pays interest and the loan is repaid on the death of the borrower. \tn 
% Row Count 17 (+ 5)
% Row 11
\SetRowColor{LightBackground}
{\emph{RTB}} & Right to Buy. A government scheme allowing people to buy social homes. \tn 
% Row Count 20 (+ 3)
% Row 12
\SetRowColor{white}
{\emph{SVR}} & Standard Variable Rate. This is the typical interest rate when not in a fixed or discounted period. \tn 
% Row Count 24 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}


% That's all folks
\end{multicols*}

\end{document}