Lloyds Bank Resurrects 0%-Down Adjustable-Rate Mortgages for First-Time Buyers to Prop Up UK’s Housing Market

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An adjustable rate mortgage (ARM) allows the lender to adjust the interest rate of a mortgage at scheduled intervals. A rate cap limits the amount the lender may increase or decrease the interest rate per each adjustment. Many ARMs also have life of loan rate caps.

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Lloyds will only consider you to be a first-time buyer if you’ve never bought a property or had a mortgage before. However, if you’re applying for a mortgage specifically for first-time buyers with another person, only one of you needs to be a first-time buyer in order to be eligible.

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Lloyds Bank Resurrects 0%-Down Adjustable-Rate Mortgages for. – Lloyds Bank Resurrects 0%-Down Adjustable-Rate Mortgages for First-Time Buyers to Prop Up UK’s Housing Market. where the home is worth less than its mortgage.. House prices have been falling for the past 2 years and rents are com8ng down as well.

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