Mortgage Help & Advice

Business Finance Glossary

Ability to pay

Refers to the borrower's ability to make interest and principal payments on debts.

Advance of Discount Loan

An unsecured loan (commonly up to £20,000) offered by your brewery to act as security against your public house in exchange for you signing an agreement to purchase a number of products from them.

Adverse Credit

The term used if the borrower has a poor credit history. This could include previous mortgage or loan arrears, bankruptcy or CCJs.


Repayment of the capital element of a debt over time, often by an equal amount each year.

APR (Annual Percentage Rate)

The interest rate reflecting the cost of a mortgage as a yearly rate.

Arrangement Fee

The fee you pay your lender in return for them providing you with a mortgage.

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Bank base rate 0.5%

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