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Mortgage Types

Commercial Finance

Government Schemes

Property Types

Income Types

First-Time Buyer Mortgages

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A Guide to First-Time Buyer Mortgages

Words of wisdom for those buying their first home

Help to Buy Alternatives for First-Time Buyers

Find the best alternatives to Help to Buy

Guarantor Mortgage

All you need to know about guarantor mortgages

Bad Credit Mortgages for First-Time Buyers

A guide to bad credit mortgages for first-time buyers

Renovation Mortgages for First-Time Buyers

A guide to first-time buyer renovation mortgages

Shared Ownership Mortgage Advice

Find a broker to help with your Shared Ownership mortgage

First Homes Scheme 2021

All you need to know about the First Homes Scheme for first-time buyers

Featured Articles

A Guide to First-Time Buyer Mortgages

Words of wisdom for those buying their first home

Help to Buy Alternatives for First-Time Buyers

Find the best alternatives to Help to Buy

Bad Credit Mortgages for First-Time Buyers

A guide to bad credit mortgages for first-time buyers

Case Studies

Mortgage Case Studies

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Bad Credit Mortgages

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A Complete Guide to Bad Credit Mortgages

How to get the best mortgage deal if you have bad credit

Getting a Mortgage With a Debt Management Plan

Getting a mortgage with a debt management plan on your file

Remortgaging With Bad Credit

How to refinance with adverse credit against your name

Getting a Mortgage With an IVA

How you can get approved for a mortgage with an IVA

Bad Credit Mortgage Calculators

Find out how much you can borrow with bad credit

Getting a Mortgage With a CCJ

How to get a mortgage with a CCJ against your name

Getting a Mortgage After a Bankruptcy

How to get a mortgage with a bankruptcy on your files

Getting a Mortgage After a Repossession

Your mortgage options if you have had a past repossession

Bad Credit Buy-to-Let Mortgages

Getting a buy-to-let mortgage with adverse credit

Can I Get a Joint Mortgage With One Bad Credit Applicant?

How to get a joint mortgage with one bad credit applicant

Featured Articles

A Complete Guide to Bad Credit Mortgages

How to get the best mortgage deal if you have bad credit

Getting a Mortgage With an IVA

How you can get approved for a mortgage with an IVA

Getting a Mortgage With a CCJ

How to get a mortgage with a CCJ against your name

Case Study

Bad Credit Mortgage Case Study

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Mortgage Repayments

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How Mortgage Repayments Are Calculated

How mortgage repayments work and what determines them

Repayments on a £100,000 Mortgage

Calculate the monthly repayments on a £100k mortgage

Repayments on a £125,000 Mortgage

Work out the repayments on a £125k mortgage

Repayments on a £150,000 Mortgage

Work out the repayments on a £150k mortgage

Repayments on a £175,000 Mortgage

Work out the repayments on a £175k mortgage

Repayments on a £200,000 Mortgage

How much your £200k mortgage will cost each month and overall

Repayments on a £250,000 Mortgage

Calculate the repayments on a £250k mortgage

Repayments on a £300,000 Mortgage

How much the repayments on a £300k mortgage are

Repayments on a £350,000 Mortgage

Calculate the repayments on a £350k mortgage

Repayments on a £400,000 Mortgage

How much a £400k mortgage costs per month

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Repayments on a £200,000 Mortgage

How much your £200k mortgage will cost each month and overall

Repayments on a £250,000 Mortgage

Calculate the repayments on a £250k mortgage

Repayments on a £100,000 Mortgage

Calculate the monthly repayments on a £100k mortgage

Case Studies

Mortgage Case Studies

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Mortgage Applications

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A Complete Guide to Mortgage Applications

Words of wisdom to help you with your mortgage application

Joint Mortgage Applications

A complete guide to joint mortgage applications

How Mortgage Underwriting Works

A guide to the mortgage underwriting process

Tenants in Common vs. Joint Tenants

Learn the difference between joint tenants and tenants in common

Joint Borrower, Sole Proprietor Mortgages

A guide to joint borrower, sole proprietor mortgages

Credit Checks

Find out what credit checks take place during a mortgage application

What to do if You've Been Declined for a Mortgage

What to do if you have been rejected for a mortgage

Mortgage Valuation Surveys

Everything you need to know about valuation surveys

Additional Borrowing

How to get the best rate when your remortgage to borrow more

How Long Does Conveyancing Take In The UK?

Learn more about the conveyancing process

Featured Articles

A Complete Guide to Mortgage Applications

Words of wisdom to help you with your mortgage application

What to do if You've Been Declined for a Mortgage

What to do if you have been rejected for a mortgage

Joint Mortgage Applications

A complete guide to joint mortgage applications

Case Studies

Mortgage Case Studies

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Remortgages

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The Ultimate Guide to Remortgaging

Browse the latest remortgage rates and access broker support

Remortgaging To Buy Another Property

Need to refinance so you can release equity to buy another property?

Remortgaging to Consolidate Debt

Need to refinance to consolidate debt?

7 Reasons Not To Remortgage

When you should consider the alternatives to refinancing

Can you Remortgage For An Extension?

Refinancing to release equity to fund an extension

Product Transfer

What you need to know about product transfers

Should You Use a Mortgage Broker to Remortgage?

Get expert advice about your remortgage here

Mortgage Renewals

How to get the best deal on your mortgage renewal

Day 1 Remortgages

How to refinance a property right after purchase

Remortgaging With Bad Credit

How to refinance with adverse credit against your name

Featured Articles

The Ultimate Guide to Remortgaging

Browse the latest remortgage rates and access broker support

Remortgaging to Consolidate Debt

Need to refinance to consolidate debt?

Mortgage Renewals

How to get the best deal on your mortgage renewal

Case Studies

Mortgage Case Studies

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Buy to Let Mortgages

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The Ultimate Guide to Buy-to-Let Mortgages

Everything you need to know about buy-to-let mortgages

Consumer Buy to Let Mortgage

All you need to know about consumer buy-to-let mortgages

Buy-to-Let Mortgage Repayments

How buy-to-let mortgage repayments are calculated

Limited Company Buy-to-Let Mortgages

Getting a buy-to-let mortgage through a limited company

Self-financing Buy to Let

Everything you need to know about self-financing buy-to-let mortgages

Buy-to-Let Mortgages for Portfolio Landlords

A guide to muti-property mortgages for portfolio landlords

Accidental Landlord

Your options if you become an accidental landlord

Best Areas for a UK Buy-to-Let Mortgage

Find the best location for your buy-to-let property

Buy-to-Let Mortgages for First-Time Buyers

All you need to know about first-buyer mortgages

Buy-to-Let Mortgages in Scotland

A complete guide to buy-to-let in Scotland

Featured Articles

The Ultimate Guide to Buy-to-Let Mortgages

Everything you need to know about buy-to-let mortgages

Buy-to-Let Mortgages for First-Time Buyers

All you need to know about first-buyer mortgages

Best Areas for a UK Buy-to-Let Mortgage

Find the best location for your buy-to-let property

Case Studies

Mortgage Case Studies

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Mortgage Lenders

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Featured Articles

Self-Build Mortgage Lenders

An overview of self-build mortgage lenders in the UK

Bad Credit Mortgage Lenders

How to find the best bad credit mortgage lender

How do mortgage lenders verify income?

Learn how mortgage providers assess income

Case Studies

Mortgage Case Studies

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Self-Employed Mortgages

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Mortgages For Self-Employed People

A complete guide to mortgages for the self-employed

Getting a Self-Employed Mortgage With 1 Year’s Accounts

How to get a mortgage with 12 months' trading history

Getting a Self-Employed Mortgage With 2 Years’ Accounts

How to get a mortgage with 24 months' trading history

Mortgages for Sole Traders

A mortgage guide for self-employed sole traders

Getting a Mortgage as a Company Director

A guide to mortgages for limited company directors

Getting a Mortgage in a Partnership

How to get a mortgage in a business partnership

Contractor Mortgages

All you need to know about mortgages for contractors

Umbrella Company Mortgages

How to get a mortgage if you trade under an umbrella company

Can Freelancers get a Mortgage?

Getting the best mortgage deal as a freelancer

Self-Certification Mortgage Advice

Find out whether self-cert or similar products are still available

Featured Articles

Mortgages For Self-Employed People

A complete guide to mortgages for the self-employed

Getting a Mortgage as a Company Director

A guide to mortgages for limited company directors

Mortgages for Sole Traders

A mortgage guide for self-employed sole traders

Case Studies

Mortgage Case Studies

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Mortgage Affordability

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Mortgage Affordability: How Much Can You Borrow on Your Salary?

A complete overview of mortgage affordability

Mortgage-to-Salary Ratio

What percentage of your salary your mortgage payments should be

How Much Mortgage Can You Get With a £30,000 Salary?

How to calculate your maximum mortgage borrowing on £30k per year

How Much Mortgage Can You Get With a £40,000 Salary?

Find out how much you can borrow on £40k per year

How Much Mortgage Can You Get With a £50,000 Salary?

Find out how much mortgage you can borrow on £25k per year

How Much Mortgage Can You Get With a £60,000 Salary?

How much you can borrow on £60k income

4.5 Times Salary Mortgages

Mortgages based on 4.5 times income

5 Times Salary Mortgages

A comprehensive guide to 5 times income mortgages

5.5 Times Salary Mortgages

A guide to 5.5 times income mortgages

How Much Mortgage Can You Get With a £70,000 Salary?

How much you can borrow with £70k income

Featured Articles

Mortgage Affordability: How Much Can You Borrow on Your Salary?

A complete overview of mortgage affordability

4.5 Times Salary Mortgages

Mortgages based on 4.5 times income

5 Times Salary Mortgages

A comprehensive guide to 5 times income mortgages

Case Studies

Mortgage Case Studies

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Mortgage Advice

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A Complete Guide to Self-Build Mortgages

A complete guide to self-build mortgages

Mortgages and Property Types

All you need to know about mortgages and property types

Joint Borrower, Sole Proprietor Mortgages

A guide to joint borrower, sole proprietor mortgages

How To Get On The Property Ladder

Our quick and easy guide to getting a mortgage

Online Mortgage Advisors

Connect with one of our mortgage brokers here

Mortgage Calculators

Try our range of mortgage calculators here

Second Home Mortgage Advice

How to get a mortgage to buy a second home

Shared Ownership Mortgage Advice

Find a broker to help with your Shared Ownership mortgage

A Guide to Islamic & Sharia-Compliant Mortgages

Guidance on Islamic mortgages

Mortgages for New Build Homes

How to get a mortgage on a new build property

Featured Articles

Mortgages for New Build Homes

How to get a mortgage on a new build property

Non-Standard Construction Mortgages

A guide to non-standard construction mortgages

A Complete Guide to Self-Build Mortgages

A complete guide to self-build mortgages

Case Studies

Mortgage Case Studies

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Mortgage Deposits

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Mortgage Deposits

All you need to know about mortgage deposits

Can I use Crypto as a deposit for a mortgage?

How to get a mortgage with crypto proceeds as your deposit

1% Deposit Mortgages

A guide to 99% LTV mortgages and their alternatives

95% LTV Mortgages

A complete guide to 95% LTV mortgages

90% LTV Mortgages

Choosing the right mortgage with 10% deposit

80% LTV Mortgages

A guide to getting the best mortgage deal with 20% deposit

85% LTV Mortgages

How to get the best mortgage with 15% deposit

70% LTV Mortgages

Getting the best mortgage deal with 30% deposit

75% LTV Mortgages

Getting the best mortgage deal with 25% deposit

Large Deposit Mortgages: Compare 60-65% LTV Deals

A complete guide to getting a mortgage with a high deposit

Featured Articles

Mortgage Deposits

All you need to know about mortgage deposits

95% LTV Mortgages

A complete guide to 95% LTV mortgages

Large Mortgages

A guide to high value mortgages

Case Studies

Mortgage Case Studies

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Mortgage Types

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Fixed Rate Mortgages

Everything you need to know about fixed-rate mortgages

1-Year Fixed-Rate Mortgages

A guide to 1-year fixed-rate mortgages

3-Year Fixed-Rate Mortgages

A complete guide to 3-year fixed-rate mortgages

2 Year Fixed Rate Mortgages

How 2-year fixed-rate mortgages work and how to get one

5-Year Fixed-Rate Mortgages

All you need to know about 5-year fixed-rate mortgages

A Guide to Interest-Only Mortgages

A complete guide to interest-only mortgages

Long-Term Fixed-Rate Mortgages

A guide to 10, 15, 30 and longer fixed-rate mortgages

Secured Loans Explained

A complete guide to secured loans

Getting a Short Term Mortgage

A complete guide to short-term mortgage loans

Tracker Rate Mortgages

Compare rates and deals for tracker mortgages

Featured Articles

Fixed Rate Mortgages

Everything you need to know about fixed-rate mortgages

Tracker Rate Mortgages

Compare rates and deals for tracker mortgages

A Guide to Interest-Only Mortgages

A complete guide to interest-only mortgages

Case Studies

Mortgage Case Studies

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Commercial Finance

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Mixed-Use & Semi-Commercial Mortgages

A complete guide to semi-commercial mortgage lending

Hotel Mortgages

Applying for a mortgage to buy a hotel

Commercial Bridging Loans

A guide to unregulated bridging finance for businesses

Commercial Finance

A complete guide to finance options for your business

Owner-Occupier Commercial Mortgages

A guide to owner-occupier mortgages for businesses

Commercial Investment Mortgages

A guide to commercial investment mortgages

Warehouse Mortgages

Getting a commercial mortgage to buy a warehouse

100% LTV Commercial Mortgages

How to get a commercial mortgage without a deposit

Industrial Mortgages

How to get a commercial mortgage on an industrial property

Office Mortgages

How to get a commercial mortgage on an office property

Featured Articles

A Guide to Commercial Mortgages

A complete overview of commercial mortgages

Mixed-Use & Semi-Commercial Mortgages

A complete guide to semi-commercial mortgage lending

Hotel Mortgages

Applying for a mortgage to buy a hotel

Case Studies

Mortgage Case Studies

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Government Schemes

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Help to Buy Equity Loan Scheme

All you need to know about Help to Buy equity loans

Forces Help to Buy Mortgage

A quick and easy guide to the Forces Help to Buy scheme

Shared Ownership Mortgage Advice

Find a broker to help with your Shared Ownership mortgage

Shared Ownership (Wales)

A guide to Shared Ownership mortgages in Wales

Shared Equity (Scotland)

Find out whether the Shared Equity scheme could help with your mortgage needs

Older People's Shared Ownership

Shared Ownership mortgage deals for the elderly

Right to Buy & Acquire

A guide to the Right to Buy and Right to Acquire schemes

Can you get a right to buy mortgage with bad credit?

Find the answer in our guide to bad credit Right to Buy mortgages

Mortgage Guarantee Scheme 2021

A complete guide to the Mortgage Guarantee Scheme

First Homes Scheme 2021

All you need to know about the First Homes Scheme for first-time buyers

Featured Articles

Shared Ownership Mortgage Advice

Find a broker to help with your Shared Ownership mortgage

Right to Buy & Acquire

A guide to the Right to Buy and Right to Acquire schemes

Mortgage Guarantee Scheme 2021

A complete guide to the Mortgage Guarantee Scheme

Case Studies

Mortgage Case Studies

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Property Types

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Basement Flat Mortgages

How to get a mortgage to buy a basement flat

Non-Standard Construction Mortgages

A guide to non-standard construction mortgages

Getting a Mortgage on a Timber Framed House

How to get a mortgage on a timber frame property

Getting a Mortgage on a Steel Framed House

How to get a mortgage on a steel framed property

Getting a Mortgage on a Property With Cladding

Your mortgage options when buying or remortgaging a property with cladding

Getting a Mortgage on a Concrete House

Your mortgage options when buying a concrete property

Maisonette Mortgages Explained

A guide to mortgages for maisonette properties

Bungalow Mortgages Explained

A guide to mortgages for bungalow buyers

Mortgages for Studio Flats

All you need to know about studio flat mortgages

Multi-Unit Freehold Block (MUFB) Mortgages

All you need to know about mortgages for this property type

Featured Articles

Basement Flat Mortgages

How to get a mortgage to buy a basement flat

Non-Standard Construction Mortgages

A guide to non-standard construction mortgages

Getting a Mortgage on a Timber Framed House

How to get a mortgage on a timber frame property

Case Studies

Mortgage Case Studies

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Income Types

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A Guide to Income Types & Mortgages

What income types mortgage lenders will accept

Getting a Mortgage on Low Income

Your mortgage options if you have low income

Getting a Mortgage With Child Benefit Income

Declaring child benefit on for a mortgage application

Getting a Mortgage With Investment Income

Getting a mortgage based on investment income

Does Car Allowance Count as Income for a Mortgage?

Learn whether you can declare car allowance on your application

Getting a Mortgage With Dividend Income

Find out whether you can declare dividends on your application

How do mortgage lenders verify income?

Learn how mortgage providers assess income

Getting a Mortgage With Pension Income

How to get a mortgage based on pension income

Bonus Income

How to declare bonus income on a mortgage application

Getting a Mortgage Based on Rental Income

Getting a mortgage using rental income

Featured Articles

Getting a Mortgage With Pension Income

How to get a mortgage based on pension income

A Guide to Income Types & Mortgages

What income types mortgage lenders will accept

How do mortgage lenders verify income?

Learn how mortgage providers assess income

Case Studies

Mortgage Case Studies

Read more
Call us today: 01484 242424

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Later Life Lending
Later Life Lending

Equity Release

Lifetime Mortgages

Retirement Interest Only Mortgages

Mortgages for Pensioners

Equity Release Lenders

Equity Release

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A Complete Guide to Equity Release

All you need to know about lifetime mortgages & revision plans

How to Get Equity Release With a Bad Credit Rating

Your guide to bad credit equity release

Can I Use Equity Release To Buy A Second Home?

Find out if an equity release mortgage can help you buy another property

How Much Equity Release Can You Get?

A breakdown of what you can borrow & the costs

Equity Release: Pros, Cons & Alternatives to Consider

The advantages and disadvantages of equity release schemes

Equity Release in Scotland

A complete guide to Scottish equity release schemes

Buy-to-Let Equity Release

How to release equity from a buy-to-let property

Equity Release in Northern Ireland

A guide to equity release in Northern Ireland

Featured Articles

A Complete Guide to Equity Release

All you need to know about lifetime mortgages & revision plans

How Much Equity Release Can You Get?

A breakdown of what you can borrow & the costs

Equity Release: Pros, Cons & Alternatives to Consider

The advantages and disadvantages of equity release schemes

Lifetime Mortgages

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Lifetime Mortgages

All you need to know about lifetime mortgages

Enhanced Lifetime Mortgage

Guidance for lifetime mortgage applicants

Drawdown Lifetime Mortgages

All you need to know about drawdown lifetime mortgages

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Lifetime Mortgages

All you need to know about lifetime mortgages

Enhanced Lifetime Mortgage

Guidance for lifetime mortgage applicants

Drawdown Lifetime Mortgages

All you need to know about drawdown lifetime mortgages

Retirement Interest Only Mortgages

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Retirement Interest-Only (RIO) Mortgages

Your quick and easy guide to RIO mortgages

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Retirement Interest-Only (RIO) Mortgages

Your quick and easy guide to RIO mortgages

Mortgages for Pensioners

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A Guide to Mortgages For Pensioners

Browse the best mortgage deals for pensioners

Mortgages For Over 50s

Compare mortgage rates for borrowers over 50

Mortgages For Over 55s

Compare mortgage rates for borrowers over 55

Mortgages For Over 60s

Compare mortgage rates for borrowers over 60s

Mortgages For Over 65s

Compare rates and deals on mortgages for borrowers over 65

Mortgages for Over 70s

Compare rates and deals on mortgages for over 70s

Mortgages for Over 75s

Compare rates and deals on mortgages for over 75s

Mortgages for Over 80s

Compare rates and deals on mortgages for over 80s

Featured Articles

A Guide to Mortgages For Pensioners

Browse the best mortgage deals for pensioners

Mortgages for Over 75s

Compare rates and deals on mortgages for over 75s

Mortgages for Over 80s

Compare rates and deals on mortgages for over 80s

Equity Release Lenders

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Featured Articles

A Complete Guide to Equity Release

All you need to know about lifetime mortgages & revision plans

How to Get Equity Release With a Bad Credit Rating

Your guide to bad credit equity release

How Much Equity Release Can You Get?

A breakdown of what you can borrow & the costs
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Loans
Loans

Bridging Loans

Bridging Loan Lenders

Homeowner Loans

Homeowner Loan Lenders

Bridging Loans

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Bridging Loans: How They Work & How To Get One

Your complete guide to bridging finance loans

Bridging Loans: Pros, Cons and Alternatives to Consider

Learn about the benefits and drawbacks of bridging finance

Regulated Bridging Loans

A complete guide to regulated bridging finance

How Much Does a Bridging Loan Cost?

How bridging loan repayments are calculated

Commercial Bridging Loans

A guide to unregulated bridging finance for businesses

Second Charge Bridging Loans

All you need to know about second charge bridging finance

Auction Finance

A complete guide to auction finance

Development Finance

All you need to know about development finance loans

Featured Articles

Bridging Loans: How They Work & How To Get One

Your complete guide to bridging finance loans

Bridging Loans: Pros, Cons and Alternatives to Consider

Learn about the benefits and drawbacks of bridging finance

Regulated Bridging Loans

A complete guide to regulated bridging finance

Case Studies

Bridging Loan Case Studies

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Bridging Loan Lenders

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Featured Articles

Bridging Loans: How They Work & How To Get One

Your complete guide to bridging finance loans

Bridging Loans: Pros, Cons and Alternatives to Consider

Learn about the benefits and drawbacks of bridging finance

Second Charge Bridging Loans

All you need to know about second charge bridging finance

Case Studies

Bridging Loan Case Studies

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Homeowner Loans

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Secured Loans Explained

A complete guide to secured loans

Bad Credit Secured Loans

How to get a secured loan with a history of bad credit

Secured Loans: Pros, Cons and Alternatives to Consider

Advantages and disadvantages of homeowner loans

Secured Business Loans

A guide to secured loans for business purposes

Second Charge Buy-to-Let Mortgages

A guide to buy-to-let secured loans

Featured Articles

Secured Loans Explained

A complete guide to secured loans

Secured Loans: Pros, Cons and Alternatives to Consider

Advantages and disadvantages of homeowner loans

Bad Credit Secured Loans

How to get a secured loan with a history of bad credit

Case Study

Secured Loan Case Study

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Homeowner Loan Lenders

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Featured Articles

Secured Loans Explained

A complete guide to secured loans

Secured Loans: Pros, Cons and Alternatives to Consider

Advantages and disadvantages of homeowner loans

Secured Business Loans

A guide to secured loans for business purposes

Case Study

Secured Loan Case Study

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Insurance
Insurance

Life Insurance

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Critical Illness Cover

Home Insurance

Home Insurance Providers

Life Insurance Providers

Landlord Insurance

Business Protection

Private Health Insurance

Life Insurance

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Life Insurance

All you need to know about life insurance

Whole of Life Insurance

Everything you need to know about whole-of-life insurance

Relevant Life

All you need to know about relevant life insurance

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Life Insurance

All you need to know about life insurance

Whole of Life Insurance

Everything you need to know about whole-of-life insurance

Relevant Life

All you need to know about relevant life insurance

Case Studies

Insurance Case Studies

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Income Protection

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Income Protection

A guide to income protection insurance

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Income Protection

A guide to income protection insurance

Case Studies

Insurance Case Studies

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Critical Illness Cover

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Critical Illness Cover

Everything you need to know about critical illness cover

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Critical Illness Cover

Everything you need to know about critical illness cover

Case Studies

Insurance Case Studies

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Home Insurance

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Home Insurance

A comprehensive guide to home insurance

Landlord Insurance

A guide to insurance for buy-to-let landlords

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Home Insurance

A comprehensive guide to home insurance

Landlord Insurance

A guide to insurance for buy-to-let landlords

Case Studies

Insurance Case Studies

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Home Insurance Providers

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Case Studies

Insurance Case Studies

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Life Insurance Providers

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Case Studies

Insurance Case Studies

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Landlord Insurance

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Landlord Insurance

A guide to insurance for buy-to-let landlords

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Landlord Insurance

A guide to insurance for buy-to-let landlords

Case Studies

Insurance Case Studies

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Business Protection

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Business Protection

Choosing protection insurance for your business

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Business Protection

Choosing protection insurance for your business

Case Studies

Insurance Case Studies

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Private Health Insurance

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Private Medical Insurance

All you need to know about private medical insurance

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Private Medical Insurance

All you need to know about private medical insurance

Case Studies

Insurance Case Studies

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.