/* Please refer to readme.html for full Instructions Text[...]=[title,text] Style[...]=[TitleColor,TextColor,TitleBgColor,TextBgColor,TitleBgImag,TextBgImag,TitleTextAlign,TextTextAlign, TitleFontFace, TextFontFace, TipPosition, StickyStyle, TitleFontSize, TextFontSize, Width, Height, BorderSize, PadTextArea, CoordinateX , CoordinateY, TransitionNumber, TransitionDuration, TransparencyLevel ,ShadowType, ShadowColor] */ var FiltersEnabled = 1 // if your not going to use transitions or filters in any of the tips set this to 0 /*Text[0]=["Me Email","Click here to send me an email "] Text[1]=["Home Page","Click here to go to my Web site."] Text[2]=["This is the title","Well How do you find this Tip message to be?"] Text[3]=["Right","This tip Is right positioned"] Text[4]=["Center","This tip Is center positioned"] Text[5]=["Left","This tip Is left positioned"] Text[6]=["Float","This tip Is float positioned at a (10,10) coordinate, It also floats with the scrollbars so it is always static"] Text[7]=["Fixed","This tip Is fixed positioned at a (1,1) coordinate"] Text[8]=["sticky style","This tip will sticky around
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If you have not yet found a property, but are researching potential mortgages, enter the likely purchase price you are expecting to pay.

Alternatively if you are remortgaging enter the estimated current market value of your property."] Text[17]=["","How much do you want to borrow?

It is worth noting that the actual amount a mortgage provider will be prepared to lend to you is dependent on a number of factors."] Text[18]=["","Over how many years?

Specify the term over which you want to repay the mortgage. Most mortgage lenders typically lend over 25 years but will be happy to arrange a shorter term, however only a smaller number of lenders are prepared to offer longer terms."] Text[19]=["","What type of mortgage are you interested in?

Fixed Rate-A fixed interest rate provides the guarantee that you will know what your mortgage payments will be for a set period of time. After the fixed period ends, your rate will generally revert to the lenders standard variable rate.

Variable Rate-A variable rate will generally move up and down in response to underlying changes in the banks base lending rate.

Discounted Rate-With one of these mortgages your lender will offer you a discount off their standard rates for a set period of time.

Lo-Doc-These loans are designed for those who have trouble proving their income."] Text[20]=["","How long is the rate to apply?

You may specify the length of the special interest rate period if you wish to do so (between 1-25 years). You do not have to do this to continue with the comparison process.

If you select one of the above types of mortgage without specifying a duration you will see a variety of time periods offered on the results page. However, if you enter, for example, a period of 2 years, you will only see mortgage offers with a special rate period of that duration."] Text[21]=["","Which is most important to you?

Lowest true cost-If you want to see the results sorted by the cheapest overall mortgages, select the lowest true cost option.

Lowest initial monthly payment-If you would prefer to see the search results sorted by the lowest initial monthly payment select the Lowest initial monthly payment option. "] Text[22]=["","Over what period do you want to compare the mortgages?

The term over which your mortgage is structured and the length of time you are likely to keep it are two different things. The standard mortgage term is 25 years. However, only a minority of mortgages actually run for that length of time. Why? Because we move home and change mortgages and, more recently, we take advantage of interest rate changes and the competitive mortgage market to remortgage.

We believe that the average length of time mortgages run for is now just 7 years - our default setting. You may alter this number to suit your own requirements."] Text[23]=["","Exclude mortgages with early repayment charges?

Exclude loans with early repayment charges by selecting yes."] Text[24]=["","How long would you like the rate to apply?

This feature enables you to search for mortgages whose interest rate terms are fixed for a certain period of time. For example if you are only looking for 2 year fixed mortgages then select at least 2 years."] Text[25]=["","Exclude mortgages that allow extra repayments?

Exclude loans that do not allow extra repayments to be made without penalty by selecting yes."] Text[26]=["","Exclude mortgages that offer the ability to redraw any extra repayments?

Exclude loans that do not have a redraw facility by selecting yes."] Text[27]=["","Exclude mortgages that cannot be split?

Exclude loans that cannot be split by selecting yes."] Text[28]=["","Include mortgages from all institutions?

Search for mortgages from certain types of institutions only. For example if you are only interested in mortgages from Banks then select Bank products only."] Text[29]=["","What purpose do you intend to use the mortgage for?

Select the purpose you require. For example if you are only interested in personal mortgages then select personal."] /* Mortgages - mortgage_search_results.cfm */ Text[30]=["","Compare Mortgages

Compare mortgages side by side by selecting two check boxes and then clicking the compare link at the bottom of the page."] Text[31]=["","Lender

Sort alphabetically by lender when you click the arrow below."] Text[32]=["","Mortgage Type

sort alphabetically by mortgage type when you click the arrow below.

Alternatively if you want to exclude certain mortgage types go back to the advanced search page to refine your search."] Text[33]=["","Initial Monthly Payment

Sort initial monthly payments from the lowest to the highest by clicking the arrow below."] Text[34]=["","Initial Interest Rate

Sort initial interest rates from lowest to highest by clicking the arrow below."] Text[35]=["","Rate Period

Sort rate periods from lowest to highest by clicking on the arrow below."] Text[36]=["","True Cost

The true cost of borrowing is effectively the total amount that you will be paying the lender for the specified comparison period.

Sort the true cost of borrowing from lowest to highest by clicking on the arrow below."] Text[37]=["","Details

Click the more button to explore the specific terms of the mortgage products that you are interested in."] Text[38]=["","Product Name

Sort alphabetically by product name when you click the arrow below."] Text[39]=["","tbd

"] /* Mortgages - mortgage_amortisation_schedule.cfm */ Text[40]=["","Payment number

Each payment number is equal to one calendar month."] Text[41]=["","Beginning Balance

The total amount borrowed including any loan costs (e.g. establishment fees)."] Text[42]=["","Principal

The part of the monthly payment that reduces the outstanding balance of the loan."] Text[43]=["","Interest

The monthly amount that is charged for borrowing money from the lender."] Text[44]=["","Ending Balance

The amount of money remaining unpaid on the loan at the end of the month."] Text[45]=["","Cummulative Interest

The total amount charged by the lender for the priviledge of borrowing their money."] Text[46]=["","Total Payment

The total amount paid to the lender each month."] /* Mortgages - mortgage_table.cfm */ Text[50]=["","One Year Fixed

"] Text[51]=["","Two Year Fixed

"] Text[52]=["","Three Year Fixed

"] Text[53]=["","Four Year Fixed

"] Text[54]=["","Five Year Fixed

"] Text[55]=["","Standard Variable

"] Text[56]=["","Revolving Credit Facilities

"] Text[57]=["","Discounted Facilities

"] Text[58]=["","Low Doc Loan

"] Text[59]=["","100% Loan

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Do be aware that many of these special interest rate deals come with drawbacks for the unwary in the form of early repayment charges which may be applied if you try to end the mortgage during the period the special rate applies. Some may also have early repayment charges for several years after the end of the special rate. Borrowing money at your lenders SVR will incur no early repayment charges but you are exposed to the vagaries of the central banks interest rate policy. Borrow money from a mortgage lender and you will be charged interest for the privilege. But you can choose exactly how you are charged that interest.*/