Free Mortgage Advice from our Experts at Teito

Speak to a mortgage adviser now on 01484 24 24 24 and get your questions answered.

Mortgages
Mortgages
First-Time Buyer Mortgages
Bad Credit Mortgages
Mortgage Repayments
Mortgage Applications
Remortgages
Buy-to-Let Mortgages
Mortgage Lenders
Self-Employed Mortgages
Mortgage Affordability
Mortgages For
Mortgage Advice
Mortgage Deposits
Mortgage Types
First-Time Buyer Mortgages
View all first-time buyer mortgage 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

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

A Complete Guide to Bad Credit Mortgages
How to get the best mortgage deal if you have bad credit

The Ultimate Guide to Remortgaging
Browse the latest remortgage rates and access broker support
Case Studies

Mortgage Case Studies
Read more
Bad Credit Mortgages
View All Bad Credit Mortgage Articles
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 Guide to First-Time Buyer Mortgages
Words of wisdom for those buying their first home

A Complete Guide to Bad Credit Mortgages
How to get the best mortgage deal if you have bad credit

The Ultimate Guide to Remortgaging
Browse the latest remortgage rates and access broker support
Case Studies

Mortgage Case Studies
Read more
Mortgage Repayments
View All Mortgage Repayment Articles
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
Featured Articles

A Guide to First-Time Buyer Mortgages
Words of wisdom for those buying their first home

A Complete Guide to Bad Credit Mortgages
How to get the best mortgage deal if you have bad credit

The Ultimate Guide to Remortgaging
Browse the latest remortgage rates and access broker support
Case Studies

Mortgage Case Studies
Read more
Mortgage Applications
View All Mortgage Application Articles
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 Guide to First-Time Buyer Mortgages
Words of wisdom for those buying their first home

A Complete Guide to Bad Credit Mortgages
How to get the best mortgage deal if you have bad credit

The Ultimate Guide to Remortgaging
Browse the latest remortgage rates and access broker support
Case Studies

Mortgage Case Studies
Read more
Remortgages
View All Remortgage Articles
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

How to Compare Remortgage Rates and Deals
Source your own remortgage deal for free here

Mortgage Renewals
How to get the best deal on your mortgage renewal

Day 1 Remortgages
How to refinance a property right after purchase
Featured Articles

A Guide to First-Time Buyer Mortgages
Words of wisdom for those buying their first home

A Complete Guide to Bad Credit Mortgages
How to get the best mortgage deal if you have bad credit

The Ultimate Guide to Remortgaging
Browse the latest remortgage rates and access broker support
Case Studies

Mortgage Case Studies
Read more
Buy-to-Let Mortgages
View All Buy To Let Articles
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

A Guide to First-Time Buyer Mortgages
Words of wisdom for those buying their first home

A Complete Guide to Bad Credit Mortgages
How to get the best mortgage deal if you have bad credit

The Ultimate Guide to Remortgaging
Browse the latest remortgage rates and access broker support
Case Studies

Mortgage Case Studies
Read more
Mortgage Lenders
View All Mortgage Lenders

Featured Articles

A Guide to First-Time Buyer Mortgages
Words of wisdom for those buying their first home

A Complete Guide to Bad Credit Mortgages
How to get the best mortgage deal if you have bad credit

The Ultimate Guide to Remortgaging
Browse the latest remortgage rates and access broker support
Case Studies

Mortgage Case Studies
Read more
Self-Employed Mortgages
View All Self-Employed Mortgage Articles
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

A Guide to First-Time Buyer Mortgages
Words of wisdom for those buying their first home

A Complete Guide to Bad Credit Mortgages
How to get the best mortgage deal if you have bad credit

The Ultimate Guide to Remortgaging
Browse the latest remortgage rates and access broker support
Case Studies

Mortgage Case Studies
Read more
Mortgage Affordability
View All Mortgage Affordability Articles
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

6 Times Salary Mortgages
A comprehensive guide to 6 times income mortgages
Featured Articles

A Guide to First-Time Buyer Mortgages
Words of wisdom for those buying their first home

A Complete Guide to Bad Credit Mortgages
How to get the best mortgage deal if you have bad credit

The Ultimate Guide to Remortgaging
Browse the latest remortgage rates and access broker support
Case Studies

Mortgage Case Studies
Read more
Mortgages For
View All Mortgages For Articles
Agency Workers
How to get the best mortgage deals for agency workers

Military Mortgages
Find out what mortgage deals are available for armed forces personnel

British Expats
A comprehensive guide to mortgages for British expats

Carers
A comprehensive mortgage guide for care workers

Mortgages for Professionals
A complete guide to mortgage for professionals

Mortgages for Civil Servants
Source exclusive mortgage deals for civil servants

Mortgages for Doctors
How to get an exclusive mortgage deal for doctors

Mortgages for Firefighters
Find out how firefighters can get exclusive mortgage deals

Mortgages for Foreign Nationals
A guide to UK mortgages for foreign nationals

UK Mortgages for African Nationals
How to get a UK mortgage as an African national
Featured Articles

A Guide to First-Time Buyer Mortgages
Words of wisdom for those buying their first home

A Complete Guide to Bad Credit Mortgages
How to get the best mortgage deal if you have bad credit

The Ultimate Guide to Remortgaging
Browse the latest remortgage rates and access broker support
Case Studies

Mortgage Case Studies
Read more
Mortgage Advice
View All Mortgage Advice Articles
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

A Guide to First-Time Buyer Mortgages
Words of wisdom for those buying their first home

A Complete Guide to Bad Credit Mortgages
How to get the best mortgage deal if you have bad credit

The Ultimate Guide to Remortgaging
Browse the latest remortgage rates and access broker support
Case Studies

Mortgage Case Studies
Read more
Mortgage Deposits
View All Mortgage Deposits Articles
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

A Guide to First-Time Buyer Mortgages
Words of wisdom for those buying their first home

A Complete Guide to Bad Credit Mortgages
How to get the best mortgage deal if you have bad credit

The Ultimate Guide to Remortgaging
Browse the latest remortgage rates and access broker support
Case Studies

Mortgage Case Studies
Read more
Mortgage Types
View All Mortgage Types Articles
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

10 Year Fixed Rate Mortgage
All you need to know about 10-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

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

A Guide to First-Time Buyer Mortgages
Words of wisdom for those buying their first home

A Complete Guide to Bad Credit Mortgages
How to get the best mortgage deal if you have bad credit

The Ultimate Guide to Remortgaging
Browse the latest remortgage rates and access broker support
Case Studies

Mortgage Case Studies
Read more
Call us today: 01484 242424
Monday - Friday 9am-5pm UK Time (Closed Weekends & Public Holidays)
Later Life Lending
Later Life Lending
Equity Release
Lifetime Mortgages
Retirement Interest Only Mortgages
Mortgages for Pensioners
Equity Release Lenders
Equity Release
View all equity release 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

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

Lifetime Mortgages
All you need to know about lifetime mortgages

Mortgages For Pensioners
Browse the best mortgage deals for pensioners
Lifetime Mortgages
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
Featured Articles

A Complete Guide to Equity Release
All you need to know about lifetime mortgages & revision plans

Lifetime Mortgages
All you need to know about lifetime mortgages

Mortgages For Pensioners
Browse the best mortgage deals for pensioners
Retirement Interest Only Mortgages
Retirement Interest-Only (RIO) Mortgages
Your quick and easy guide to RIO mortgages
Featured Articles

A Complete Guide to Equity Release
All you need to know about lifetime mortgages & revision plans

Lifetime Mortgages
All you need to know about lifetime mortgages

Mortgages For Pensioners
Browse the best mortgage deals for pensioners
Mortgages for Pensioners
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 Complete Guide to Equity Release
All you need to know about lifetime mortgages & revision plans

Lifetime Mortgages
All you need to know about lifetime mortgages

Mortgages For Pensioners
Browse the best mortgage deals for pensioners
Equity Release Lenders
View All Equity Release Lenders

Featured Articles

A Complete Guide to Equity Release
All you need to know about lifetime mortgages & revision plans

Lifetime Mortgages
All you need to know about lifetime mortgages

Mortgages For Pensioners
Browse the best mortgage deals for pensioners
Call us today: 01484 242424
Monday - Friday 9am-5pm UK Time (Closed Weekends & Public Holidays)
Commercial & Bridging
Commercial & Bridging
Commercial Mortgages
Bridging Loans
Development Finance
Commercial Lenders
Bridging Loan Lenders
Commercial Mortgages
A Guide to Commercial Mortgages
A complete overview of commercial mortgages

Hotel Mortgages
Applying for a mortgage to buy a hotel

Pub Mortgages
Find a commercial mortgage to buy a pub

Restaurant Mortgages
Getting a commercial mortgage on a restaurant

Care Home Mortgages
Securing commercial finance to buy a care home

Childcare Mortgages
Getting a mortgage for a nursery business

Retail Mortgages
Find a commercial mortgage for a shop purchase

Mixed-Use & Semi-Commercial Mortgages
A complete guide to semi-commercial mortgage lending

Owner-Occupier Commercial Mortgages
A guide to owner-occupier mortgages for businesses

Commercial Investment Mortgages
A guide to commercial investment mortgages
Featured Articles

A Guide to Commercial Mortgages
A complete overview of commercial mortgages

Bridging Loans: How They Work & How To Get One
Your complete guide to bridging finance loans

Mixed-Use & Semi-Commercial Mortgages
A complete guide to semi-commercial mortgage lending
Case Studies

Bridging Loan Case Studies
Read more
Bridging Loans
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
Featured Articles

A Guide to Commercial Mortgages
A complete overview of commercial mortgages

Bridging Loans: How They Work & How To Get One
Your complete guide to bridging finance loans

Mixed-Use & Semi-Commercial Mortgages
A complete guide to semi-commercial mortgage lending
Case Studies

Bridging Loan Case Studies
Read more
Development Finance
Development Finance
All you need to know about development finance loans
Featured Articles

A Guide to Commercial Mortgages
A complete overview of commercial mortgages

Bridging Loans: How They Work & How To Get One
Your complete guide to bridging finance loans

Mixed-Use & Semi-Commercial Mortgages
A complete guide to semi-commercial mortgage lending
Case Studies

Bridging Loan Case Studies
Read more
Commercial Lenders
View All Commercial Lenders

Featured Articles

A Guide to Commercial Mortgages
A complete overview of commercial mortgages

Bridging Loans: How They Work & How To Get One
Your complete guide to bridging finance loans

Mixed-Use & Semi-Commercial Mortgages
A complete guide to semi-commercial mortgage lending
Case Studies

Bridging Loan Case Studies
Read more
Bridging Loan Lenders
View All Bridging Loan Lenders

Featured Articles

A Guide to Commercial Mortgages
A complete overview of commercial mortgages

Bridging Loans: How They Work & How To Get One
Your complete guide to bridging finance loans

Mixed-Use & Semi-Commercial Mortgages
A complete guide to semi-commercial mortgage lending
Case Studies

Bridging Loan Case Studies
Read more
Call us today: 01484 242424
Monday - Friday 9am-5pm UK Time (Closed Weekends & Public Holidays)
Insurance
Insurance
Life Insurance
Income Protection
Critical Illness Cover
Home Insurance
Landlord Insurance
Business Protection
Life Insurance Providers
Home Insurance Providers
Life Insurance
View All Life Insurance Articles
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
Featured Articles

Life Insurance
All you need to know about life insurance

Home Insurance
A comprehensive guide to home insurance

Critical Illness Cover
Everything you need to know about critical illness cover
Case Studies

Insurance Case Studies
Read more
Income Protection
Income Protection
A guide to income protection insurance
Featured Articles

Life Insurance
All you need to know about life insurance

Home Insurance
A comprehensive guide to home insurance

Critical Illness Cover
Everything you need to know about critical illness cover
Case Studies

Insurance Case Studies
Read more
Critical Illness Cover
Critical Illness Cover
Everything you need to know about critical illness cover
Featured Articles

Life Insurance
All you need to know about life insurance

Home Insurance
A comprehensive guide to home insurance

Critical Illness Cover
Everything you need to know about critical illness cover
Case Studies

Insurance Case Studies
Read more
Home Insurance
Home Insurance
A comprehensive guide to home insurance
Featured Articles

Life Insurance
All you need to know about life insurance

Home Insurance
A comprehensive guide to home insurance

Critical Illness Cover
Everything you need to know about critical illness cover
Case Studies

Insurance Case Studies
Read more
Landlord Insurance
Landlord Insurance
A guide to insurance for buy-to-let landlords
Featured Articles

Life Insurance
All you need to know about life insurance

Home Insurance
A comprehensive guide to home insurance

Critical Illness Cover
Everything you need to know about critical illness cover
Case Studies

Insurance Case Studies
Read more
Business Protection
Business Protection
Choosing protection insurance for your business
Featured Articles

Life Insurance
All you need to know about life insurance

Home Insurance
A comprehensive guide to home insurance

Critical Illness Cover
Everything you need to know about critical illness cover
Case Studies

Insurance Case Studies
Read more
Life Insurance Providers
View All Life Insurance Providers

Featured Articles

Life Insurance
All you need to know about life insurance

Home Insurance
A comprehensive guide to home insurance

Critical Illness Cover
Everything you need to know about critical illness cover
Case Studies

Insurance Case Studies
Read more
Home Insurance Providers
View All Home Insurance Providers

Featured Articles

Life Insurance
All you need to know about life insurance

Home Insurance
A comprehensive guide to home insurance

Critical Illness Cover
Everything you need to know about critical illness cover
Case Studies

Insurance Case Studies
Read more
Call us today: 01484 242424
Monday - Friday 9am-5pm UK Time (Closed Weekends & Public Holidays)
Log In

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.