Mortgages are loans which are given by lenders to pay for the purchase of real estate property, and have a specific time period and rate of interest for the payment. The borrowers, who are known as the 'mortgagors', give the lenders, also known as the 'mortgagees', a legal asset as a security against the loan. In Newcastle, the borrowers may get mortgages either from financial establishments like banks directly, or from individuals who act as mediators between the bank and the borrower.
Mortgages in Newcastle vary, depending on two main categories: the time period of the loan and the interest rate of the loan. Mortgages may be for 15 or 30 years, as per the time period in Newcastle. Based on the interest rates, the mortgages are either fixed or variable.
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