Nexen offers a number of Pneumatic Control Accessories for our products that allow for easy connections, servicing, and trouble-free performance.

Selling your old property to buy a new one? Your agency will charge fees for marketing your property and take a commission on the sale.

If the LTV – the percentage of your home's value which you're going to borrow – is high, for example 89%, try lowering it to 85% to see what happens to the interest rates and monthly repayments.

Nexen’s pneumatically engaged, single-position torque limiters are the best overload protection devices available. The “TL” Series units are ball/detent clutches equipped with overload sensors.

Nexen’s Spring Engaged, Air Released Servomotor Brakes are available safety certified to comply with international safety standard ISO 13849-1. Category Level up to 4 and Performance Level up to e, can be achieved using NexSafe® products in recommended configuration.

Based on Nexen’s innovative Roller Pinion technology, Nexen Ring Drive (Compact Precision Ring Drive and Precision Ring Drive) systems come complete with a precision grade bearing and drive mechanism in a rigid housing to simplify the selection process. With all the features of our other advanced Roller Pinion System technology, Nexen's Ring Drives open up new design possibilities for the next generation of machines.

Similarly, if you think you'd like the option of overpaying – or you think you might move home again in the next two to five years – check what the lender's overpayment and early repayment policies are.

The Evolve Electric Servomotor Brake is spring engaged, electrically released, and easily configured to match the servo/stepper motor and gearhead mating interfaces. Engineered with Zero Backlash and double-sided friction interface for increased torque capacity, this brake offers a solution for the most demanding applications.

Firstly, over the term of the mortgage, your loan to value – the amount you've borrowed relative to how much of your home you own – will go down. This is because you're paying off the money you borrowed to pay for your property.

If a deal has caught your eye, talk to one of our experts. They'll ask you some questions to make sure you're eligible. And if you're not, we'll find a deal that works for you.

While the interest rate has the biggest effect on the cost of your mortgage, other fees and charges can also add up. A mortgage with a higher interest rate and low fees may work out cheaper than one with a low interest rate and high fees.

If your financial situation improves and you decide you want to pay off your mortgage more quickly, the most you can overpay is £15,000 a year. You'll get charged a penalty for anything above that.

(First time buyers pay 0% on the first £300,000, as long as the property doesn't cost more than £500,000. They pay 5% on the next £300,001 to £500,000.)

Friction brakes have a stationary pad (friction facing) and a rotating wear surface. Common configurations include drum brakes, caliper disc brakes and shaft-mounted brakes with an integral disc and rotor. Friction brakes provide controlled deceleration, stopping, holding, and tension control. Air and spring-engaged versions are available in all brake configurations.

Nexen’s patented rack and roller pinion design maintain high repeatable accuracy with zero backlash over longer distances with quieter operation - even at high speeds.

A torque limiter protects mechanical equipment or its work from damage by mechanical overload. A torque limiter may limit the torque by slipping a friction plate clutch or disconnecting the load entirely. The action of a torque limiter is useful to limit any damage to the machine or product due to mechanical failures or product jams in the machine and is typically installed on the output side of gear reducers to protect the gear set.

With superior performance, these spring-engaged, air-released units supplement air cylinders and guide rods for holding in power-off/e-stop situations. High clamping forces ensure positive holding with minimal air required for release.

Again, the idea is to keep your repayments affordable. Adding a big mortgage on top of credit card debt, a car loan, childcare costs, and other expenses increases the risk you may not keep up with repayments. And if you can no longer pay your mortgage, your lender risks losing money.

On average this costs £142 a year. It's usually part of your mortgage's terms and conditions - your lender will ask you to insure your home for enough money to cover the cost of rebuilding the whole property. Just in case.

Nexen’s Friction Clutch-Brakes combines the features of a Friction Clutch with a Friction Brake into a single unit. Standard models offer pilot mount, sheave mount and pilot mount with coupling half options. Pilot Mount units are available in various standard bores sizes with customization possible with bushings and couplings.

If you have a lot of debt relative to your income – this is known as your debt-to-income ratio – lenders may let you borrow less than if you had less debt.

Or you could try lengthening and then shortening your term. For example, you could see how changing your mortgage term from 25 years to 20 years would affect your monthly repayments.

You should also remember that buy-to-let mortgages are usually interest only. This means your repayments only cover interest, so you'll need to find some other way to pay off the amount you've borrowed.

Nexen’s Roller Pinion System (RPS) patented rack and roller pinion design maintains high repeatable accuracy with zero backlash over longer distances with quieter operation - even at high speeds.

A survey is optional but highly recommended, because it tells you whether there are any serious issues with your property you should know about. Fees start at £400, but getting one done could save you thousands in unexpected repairs later.

Lenders look at this to see how you've handled your debts in the past. If you've had trouble keeping up with repayments, lenders will see you as more risky. As a result, some may charge you higher interest or ask you to pay a bigger deposit.

The second type of variable interest rate is the standard variable rate. This is your lender's default rate and it's usually higher than their fixed or variable tracker interest rates

Think you might want to go back to uni or start your own business? Check if the mortgage lets you underpay or take a payment holiday.

Nexen’s Friction Clutch-Brakes combines the features of a Friction Clutch with a Friction Brake into a single unit. Standard models offer pilot mount, sheave mount and pilot mount with coupling half options. Pilot Mount units are available in various standard bores sizes with customization possible with bushings and couplings.

To give you the complete picture, this comparison tool shows you the total cost of your mortgage – interest, fees, plus any benefits like cash back – during the initial period of your mortgage. We talk about mortgage fees in more detail above.

Nexen's Linear Coupling help prevent binding or premature wear, Providing zero backlash misalignment control between linear actuators, ballscrew actuators, pneumatic cylinders, and rods or sensors.

We'll help you understand which mortgage you're most likely to qualify for and do all the hard work, so you don't have to.

Caliper brakes are used in controlled deceleration, cyclic stopping, holding, emergency stops, and tension control applications. Nexen offers a wide variety of caliper brake designs, including air actuated/spring-released, spring engaged/air-released, and spring engaged/hydraulic-released models. Several disc diameters up to 24-inches are offered to provide torque up to 50,000 in-lbs. Multiple calipers can be used on a single disc to increase torque and accommodate various disc thicknesses.

Nexen’s Rail Brakes Series of linear profile guide rail brakes uses spring force to secure the load in holding applications. Superior response time, high force for stopping and holding in e-stop and power-off situations. Each Rail Brake clamps directly onto the center of the guide rail to provide positive braking and holding in all axes, with no effect on bearing surfaces. These profile rail brakes hold position accurately by reducing drive train backlash and elasticity.

Bear in mind that buy-to-let mortgages are different from residential ones – mortgages for a property you plan to live in yourself. The lender won't look at your income. They'll look at how much you could earn from renting the property, so you can usually borrow more.

Bear in mind that the standard variable rate is usually a fair bit higher than the rate during the initial period of your mortgage, so your repayment will likely increase quite a bit. That said, a high standard variable rate isn't necessarily a deal-breaker. You could look into remortgaging once your initial period expires.

Based on Nexen’s innovative Roller Pinion technology, Nexen Ring Drive (Compact Precision Ring Drive and Precision Ring Drive) systems come complete with a precision grade bearing and drive mechanism in a rigid housing to simplify the selection process. With all the features of our other advanced Roller Pinion System technology, Nexen's Ring Drives open up new design possibilities for the next generation of machines.

Alongside the interest rate and monthly repayments, we'll tell you how much you'll have to pay during the initial period of each mortgage when you factor in fees and any benefits like cashback.

Monthly repayments are lower on longer mortgages, but you'll pay more interest. In comparison, mortgages with shorter terms have higher repayments, because you're spreading the loan over fewer years. The flipside is that you'll pay less interest overall.

The interest rate makes the single biggest difference to how much your mortgage will cost. This is because you'll have to pay interest each month for as long as you have a mortgage.

First things first, bear in mind that our tool only shows you the best rates available. It doesn't necessarily mean you're eligible for all those mortgages, or that you'll get the advertised rate. The lender will assess your circumstances and make a decision about whether to give you a mortgage, how much to lend you, and on what terms.

Nexen’s Static Rod Locks deliver precision holding with virtually no backlash, providing high accuracy in demanding applications. These spring-engaged, air-released units come in both ISO and NFPA sizes. The Rod Lock’s large clamping surface ensures high clamping/holding force, and Nexen offers models for use on a pneumatic cylinder or as a stand-alone unit on a guide rod. The design is sealed and features a natural brushed aluminum finish or a corrosion-resistant, anodized finish.

Nexen’s Tension Control brakes offer precise control over the full operating range – from the high torque needed to manage a large roll, to the lower torque requirements for more delicate materials and demanding applications.

As a rule the mortgage deal that's best for you is the one that lets you borrow as much as you need as cheaply as possible.

Some lenders also offer a third type of variable-rate mortgage known as a discounted variable rate mortgage. This is essentially the lender's standard variable rate with a discount applied, either for a fixed period or for the whole term. So if the lender's standard variable rate is 3%, for instance, the discounted rate might be 2.1%

Secondly, at the end of the term, you'll have paid off all the money you've borrowed, plus interest, and you'll own your home outright.

We sort the results by the total cost over the initial period of the mortgage because this lets you make fairer comparisons.

Nexen's Shaft Brake has several bore sizes available, offering an off-the-shelf, zero-backlash braking solution for shaft-holding applications. These spring-engaged, air-released brakes offer outstanding holding for consistent, long-lasting performance.

If you find a mortgage deal you like, you can apply with Habito fast, online, and free. We’ll make sure you’re eligible for that mortgage and do all the hard work to secure it.

Fixed rate mortgages also have early repayment charges. So if you think you might move home within your mortgage's fixed rate period, a tracker mortgage may be a better option.

On the other hand, cashback and other perks – a discount on your home insurance, for example – can make up for some of the fees.

Nexen’s Rail Brakes Series of linear profile guide rail brakes uses spring force to secure the load in holding applications. Superior response time, high force for stopping and holding in e-stop and power-off situations. Each Rail Brake clamps directly onto the center of the guide rail to provide positive braking and holding in all axes, with no effect on bearing surfaces. These profile rail brakes hold position accurately by reducing drive train backlash and elasticity.

Nexen’s patented rack and pinion system with bearing-supported rollers engaging two rack teeth simultaneously, allowing for greater efficiency, longer life and outstanding accuracy.

The standard term for most mortgages is 25 years, but you can take a longer or shorter mortgage depending on your age and financial situation.

Nexen’s Harmonic Gearhead is the perfect combination of size and precision. When combined with Nexen’s Poller Pinion System, a true backlash-free solution from the motor to the driven load can be achieved. Machine designers will have up to a 70% reduction in length over standard gearheads, gaining increased space in a design.

Nexen’s linear profile guide rail brakes use spring force to secure the load in holding applications. Superior response time and high force for stopping and holding in e-stop and power-off situations. Each rail brake clamps directly onto the guide rail to provide positive braking and holding in all axes, with no effect on bearing surfaces

Whether you choose a fixed or variable rate mortgage also makes a difference. Fixed rate mortgages tend to have slightly higher interest rates than variable rate mortgages. But your rate is locked in for a set period, so your monthly repayment can't change.

Multiple or single-position tooth clutches are positive engagement devices having open or nickel-plated, enclosed housings. Tooth clutch designs include a pilot-mount version (accepts sprockets or couplings), a flange-mount version that connects to bearing-supported devices and integral sprocket versions. Air-engaged tooth clutches produce up to 60,000 in-lbs. torque. Spring engaged tooth clutches, with up to 72,000 in-lbs. torque, are the ultimate holding device. Single and double-flex couplings, specifically designed for high-torque tooth clutches, are used for inline shaft connections.

Nexen’s single-disc, self-adjusting Clutches mount on a driving or driven shaft. They cover transmitted horsepower ratings from fractional to 25 hp, torque ratings to 5000 in-lb with thermal capacities to 2.5 thermal horsepower, and maximum operating speeds to 3600 rpm. Most are available in Sheave, Pilot, or Coupling Mount versions.

Most lenders work out loan to value in bands: 60%, 70%, 75%, 80%, 85%, 90%, and 95%. Every time you hit a lower band, it unlocks lower interest rates, which could mean a cheaper mortgage.

Typically, your lender will transfer the mortgage money to your solicitor, who will then forward that money to the seller together with your deposit. Both your lender and your solicitor can pass on the cost of the transfers to you. This is usually between £25 and £50 per transaction.

You'll have to pay this when you file your mortgage application. It's usually between £99 and £250 and non-refundable, so you won't get it back if the mortgage falls through for any reason.

Nexen's Geared Bearing solution is ready to be integrated into a machine with its full ring gear and a high-capacity cross-roller bearing.

Air or spring-engaged, shaft-mounted friction brakes come with tapered bores to accept QD bushings or straight, bored and keyed-to-size disc hubs. Bushings are available to reduce the size of the standard, straight-bore models. Air-engaged brakes are used for stopping, holding, controlled deceleration, and tension control. Spring-engaged brakes are excellent stopping and holding devices. Multiple sizes provide torque up to 10,000 in-lbs.

Typically, the higher your loan to value, the higher the interest rate. By contrast, the lower your loan to value, the lower your interest rate. This is because a higher loan to value means more risk for your lender. You've borrowed a big chunk of your home's value, so the lender could lose more money if your circumstances change and you can no longer meet your repayments.

Nexen’s Profile Rail Brakes and Rod Locks are compact and powerful, delivering precision holding and locking at an affordable price.

That said, the interest rate you end up getting depends on your personal circumstances. There's no guarantee you'll get the typical APR (or a lower rate).

For this reason, if you're between bands – for example, your loan to value is 87% – it's worth seeing if you could bring it down to 85%. You can do this either by increasing your deposit or by paying the same deposit on a cheaper property.

That said, price isn’t everything. Depending on your circumstances, a slightly more expensive deal might be better for you than the cheapest one available.

Alternatively, ask your lender if the mortgage is portable. This means you can use the mortgage to pay for part of a new property and avoid the early repayment charge.

Nexen’s Eclipse® spring-engaged, air-released servomotor brakes offer a powerful, high-torque, and no-slip holding option. The Eclipse Servomotor brake is installed between the motor and the linear device, providing improved safety with low inertia.

Nexen’s Spring Engaged, Air Released Servomotor Brakes are available safety certified to comply with international safety standard ISO 13849-1. Category Level up to 4 and Performance Level up to e, can be achieved using NexSafe® products in recommended configuration.

To make comparisons easy, lenders advertise their 'typical' or 'representative' APR (annual percentage rate). According to the Financial Conduct Authority's rules, 51% of customers must get this or a lower rate for the lender to be able to advertise it as typical or representative.

Nexen’s Spring Engaged, Air Released Servomotor Brakes are available safety certified to comply with international safety standard ISO 13849-1. Category Level up to 4 and Performance Level up to e, can be achieved using NexSafe® products in recommended configuration.

Nexen's line of Modular Tension Control Clutches is designed to be the most flexible, maintenance-free pneumatic units available for continuous winding operations. Ruggedly built to endure the continuous drag and high heat load that tension control demands, yet extremely sensitive and responsive to a wide range of torque requirements.

You can also use this comparison tool to compare remortgages. Press the 'remortgage' button under 'What's the mortgage for?'

Nexen’s Web Controllers are a closed-loop, load cell-based tension control products which use torque to control the tension of paper, film, foil, or fabric in all zones of web processing machines.

The tracked rate is usually the Bank of England's base rate. If the base rate goes down, the tracker rate goes down too. And if the Bank of England's base rate goes up, the tracker rate will also go up.

As a rule, you can't borrow more than 4.5 times your total annual income. So if you earn £60,000 a year, the most you'll be able to borrow is £270,000. Limiting how much you can borrow keeps your repayments affordable, which lowers your lender's risk.

That said, it is possible to get a mortgage after you retire, as long as you can prove your pension or income from other sources like investments is enough to cover the repayments.

Nexen’s Static Rod Locks deliver precision holding with virtually no backlash, providing high accuracy in demanding applications. These spring-engaged, air-released units come in both ISO and NFPA sizes. The Rod Lock’s large clamping surface ensures high clamping/holding force, and Nexen offers models for use on a pneumatic cylinder or as a stand-alone unit on a guide rod. The design is sealed and features a natural brushed aluminum finish or a corrosion-resistant, anodized finish.

Most mortgages end when you reach retirement age. Once you retire, your income is usually more limited, so most lenders will want their money back before then.

When the fixed or tracker rate period on your mortgage ends, your lender will put you on their standard variable rate. Your mortgage repayment will usually go up as a result, so it's worth checking if you could save money by remortgaging

The main advantage of a fixed rate mortgage is that your monthly payments will stay the same for as long as your interest rate is fixed. So if you have a fixed rate mortgage for 5 years, your monthly repayments will be exactly the same for the next five years, even if the Bank of England's base rate goes up.

Yes, you can use this tool to compare buy-to-let mortgages. To do this, answer 'Do you plan to live in it or let it out?' with 'Let it out'.

This is a tax you pay when you buy your main residence. In Scotland, it's known as land and buildings transaction tax. And in Wales it's called land transaction tax.

Nexen's drum brakes are actuated with a diaphragm-sealed actuator that forces a brake shoe on a drum surface to provide the braking torque. Brake drums are bored and keyed to fit standard shafts. The brake shoes are clamped on the outside of the drum to provide brake torque up to 3750 in-lbs. Hinge top models offer a convenient feature to change rolls when the brake is used in tension control applications.

Conveniently packaged clutches and brakes for a start and stop applications. Clutch-brake combinations have mounting features that make them adaptable to NEMA and IEC motor frames. All clutch-brakes operate on static air pressure.

Needless to say, while loan to value can make a big difference to the type of deal you get, it's not the only factor. We'll talk about what other factors can affect what mortgage deal you can get in more detail in a second.

The Nexen Ball Screw Brake is a high-torque, spring-engaged brake acting on the machined end of a ball screw. It serves as a primary or redundant safety brake to prevent back driving if a power loss or mechanical defect occurs in the driveline.

Because you're borrowing against the value of your property, your lender will want to make sure you're paying a fair price for it. At the lower end of the spectrum, these surveys cost around £150. But they can stretch to £1,500.

The flipside is that, because you're paying off what you've borrowed and the interest at the same time, the repayments are higher.

The criteria are stricter because buy-to-let mortgages are more risky for your lender. When you don't have a tenant, you'll have to pay your buy-to-let mortgage repayments, the costs of your rental property, like electricity and gas bills, plus your own mortgage and living expenses.

If you're overwhelmed by how much there is to think about when buying a property we can help. Habito can sort almost everything you need with our complete home-buying service.

You'll need a solicitor to handle legal work like checking the property deed and transferring the title of ownership. Fees vary a lot by solicitor, location, and property value. But you'll usually pay between £1,000 and £1,500.

WARNING: This product can expose you to chemicals which are known to the State of California to cause cancer and birth defects or other reproductive harm. For more information go to www.P65Warnings.ca.gov

In a repayment mortgage, your monthly repayment is split into two parts. One part pays off the money you've borrowed, and the other part pays off the interest.

Nexen’s Spring Engaged, Air Released Rod Locks are safety certified to comply with international safety standard ISO 13849-1. Category Level up to 4 and Performance Level up to e, can be achieved using NexSafe® products in recommended configuration.

This comparison tool searches the whole market for mortgages that match your needs. If you find a deal you like, we can help you apply for free.

Nexen’s Linear Couplings protect valuable equipment by controlling misalignment in linear motors, ballscrew actuators, pneumatic cylinders, and rods or sensors.

Their disadvantage is that your repayments don't cover the money you've borrowed. So, when your mortgage ends, you'll have to have saved enough money to pay it off. If that's not possible, you'll have to sell the property to cover the debt.

With options for high speed, high torque and zero backlash, Nexen Ring Drives can be optimized for every application. With accelerations up to twice as high as other indexing technologies, Nexen Ring Drive systems provide more productivity while boasting low maintenance, high efficiency and long life.

Based on Nexen's innovative Roller Pinion technology, the Roller Pinion System Geared Bearings come complete with a precision zero backlash gear mounted on a precision grade, high capacity bearing. Geared Bearings can be incorporated into any precision rotary motion control application with a number of possible sizes and gear ratios, all with zero backlash.

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The catch is that you'll have to meet stricter criteria for your application to get approved. Most lenders will expect you to:

This unique drive system provides high positional accuracy, zero backlash, no cumulative error, low-velocity ripple, high speeds, rigidity, low noise, low maintenance, corrosion resistance, and long life. This opens up new machine design possibilities and provides the capability to achieve much higher performance levels.

Same day shipment may be available with Next Day Air. Orders need to be received by 10:00am CST. Confirm order with Nexen CSR.

Nexen’s Spring Engaged, Air Released Rod Locks offer precision holding with guide rod systems and NFPA or ISO cylinders. A large clamping surface ensures consistent performance, ideal for accurate positioning.

As you get older, lenders will offer you shorter terms, so your monthly payments will most likely be bigger. You'll have to prove you can afford to make these larger repayments.

Unlike booking fees, you only pay this if your mortgage application goes ahead. That said, it's quite steep. Typically, you'll pay around £999, but it could stretch to £1,499 or even £1,999.

So if you're looking for a mortgage with an interest rate fixed for two years, for instance, we'll work out how much you'll pay in interest and fees over those two years. We’ll also factor in any benefits like cashback.

Harmonic Gearheads offer true zero backlash, high reduction ratios of 50/80/100/120:1, and high load capacity in a very compact package. Gearheads utilize the best cross-roller-bearing technology for the highest rigidity and load capacities.

Nexen’s Spring Engaged, Air Released Rail Brakes are safety certified to comply with international safety standard ISO 13849-1. Category Level up to 4 and Performance Level up to e, able to be achieved using NexSafe® products in recommended configuration.

The main disadvantage of a variable rate mortgage is that the interest rate can fluctuate at any time. If it changes enough, your monthly repayment can become more expensive.

Precise tension control is vital to any web or strip-fed operation, and the product must be fed under tension, processed under tension and wound up again under tension. Tension controllers are an integral part of maintaining this set tension. Nexen tension controllers range from simple systems with diameter feedback (open loop) to dancer control systems and the highest precision systems using web tension sensor feedback (closed loop).

Nexen’s Ball Screw / Shaft Brake / Servomotor Brake is a high-torque, spring-engaged, air-released brake. It serves as a redundant safety brake in the event of a mechanical defect in the drive line, particularly in the Z-axis. These brakes provide high accuracy for holding the position in power-off situations.

How much stamp duty you have to pay depends on the price of your property and where you live in the UK. Here are the stamp duty rates in the UK as from 1 October 2021:

Most residential mortgages, that is mortgages on properties you live in, are repayment mortgages. Buy-to-let mortgages are usually interest only.

If you're remortgaging – that is, replacing your old mortgage with a new one on the same property – the fee will usually be lower. Because you're not moving home, remortgages are usually less work for your solicitor.

Available in a variety of Single or Multiple Position Models, as well as a Sprocket Tooth design, there are Standard and Metric Models available. Most can be used with a Single or Double Flex Coupling Assembly for in-line coupling applications.

We search through thousands of mortgages from over 90 lenders and show you real deals they're offering their customers right now.

We order the results from lowest to highest monthly repayment. You can also sort the results from highest to lowest if you prefer.

Bear in mind that a valuation survey will only check that the property is worth what you're paying for it. If you want to check for structural problems or other issues with the building, you'll need to commission an independent property survey (more on this below).

Hey Habito Ltd. is registered in England and Wales (09384953) with address C/O 4th Floor Phoenix House, 1 Station Hill, Reading, Berkshire, RG1 1NB, is authorised and regulated by the Financial Conduct Authority and is on the Financial Services Register (714187).

Nexen's Roller Pinion Gear System (RPG) is based on an innovative pinion consisting of bearing-supported rollers and a unique tooth profile. Gears, Gear segments and geared bearings can be configured to meet the application needs.

Nexen’s Torque Limiters protect the drive and driven components from damage associated with torque overloads caused by material jams, operator error, or various unforeseen reasons that pose a significant threat to machine downtime.

Of course, this works both ways. So if the base rate goes down, you won't benefit. Your interest rate will still stay the same.

Nexen’s Linear Couplings protect valuable equipment by controlling misalignment in linear motors, ballscrew actuators, pneumatic cylinders, and rods or sensors.

Nexen’s Harmonic Gearhead is the perfect combination of size and precision. When combined with Nexen’s Poller Pinion System, a true backlash-free solution from the motor to the driven load can be achieved. Machine designers will have up to a 70% reduction in length over standard gearheads, gaining increased space in a design.

See the best rates out there for mortgages of £21,000. This tool will show you the top rates, but can't tell you if you’re eligible for them – our experts can check that for you later.

Nexen’s Roller Pinion System (RPS) patented rack and roller pinion design maintains high repeatable accuracy with zero backlash over longer distances with quieter operation - even at high speeds.

LTV – loan to value – is the percentage of your home's value which you're going to borrow as a mortgage. So if you're buying a house worth £200,000, paying a £20,000 deposit, and borrowing the remaining £180,000, your loan to value will be 90%.

Based on Nexen’s innovative Roller Pinion technology, Nexen Rotary Indexer Systems come complete with a precision grade, high capacity bearing and drive mechanism in a rigid housing.

A fixed rate mortgage's interest rate stays the same for a specific period of time, usually two, three, five, or ten years.

This is also known as an exit fee. Lenders charge it to cover the cost of maintaining and closing your account. You can expect to pay around £300.

Most banks only advertise the interest rate, and this is what most people look at. But while the interest rate is important, because you'll be paying it every month for the whole term of the mortgage, the fees you have to pay to set up the mortgage can make a big difference to how much a deal costs overall.