Incentives offered on some mortgage deals might be attractive but are not a "decision-breaker" for consumers, according to one expert.
Darren Cook, head of mortgages a Moneyfacts, stated that such perks generally offer "just some add-on value" for a mortgage.
Other elements of a mortgage will be more important to customers, he explained.
Mr Cook said: "Within the mortgage market [perks] are few and far between. If you look at the mortgage in its entirety, you need to look at whether that product is suitable for the individual."
The state of the mortgage market means that most customers will be concentrating on finding a bank that will offer them the level of loan-to-value that they require, he added.
Mr Cook's comments follow the announcement that one of the UK largest mortgage lenders has launched an Airmiles product.
The Lloyds TSB Airmile Mortgage offers consumers the chance to earn airline tickets by paying off their mortgage.
Incentives not vital to mortgage customers, expert claims
Mortgage Quote Line
0845 108 0505
Incentives not vital to mortgage customers, expert claims
Fri, 16 May 2008
Recommended links
UK mortgage information and comparison portalOnline mortgage calculator
Deposit calculator
Quick decision mortgage quote form
House prices and mortgages
Repossession help
Stop property repossession
Guide to mortgage arrears
Bankruptcy and IVA mortgage guide
Bad credit and mortgages
Mortgage renewal reminder service
Guide to switching mortgage lenders
Interest rate changes and mortgage repayments
How does the LIBOR rate affect mortgage repayments?
Guide to mortgage fees and costs
Guide to stamp duty and calculator
Mortgage indemnity insurance guide
Conveyancing guide
Mortgage surveys
UK mortgage trends and statistics 2007
Mortgages in Scotland
Mortgages information contents page
List of UK mortgage lenders
View current mortgage rates and offers
Lloyds TSB lender profile
Lloyds TSB current mortgage offers
Mortgage brokers directory
Second homes hit first time buyers, expert says
Shop around for mortgage savings, expert says
Equity release market increasing year on year, expert states
Investing in 110% mortgages could bring further negative equity, expert warns
Mortgage collapse talk premature, expert states
Rate rises not cutting mortgage activity, expert claims
Mortgage holders, coping with credit crunch, expert claims
Expert: Student debt does not impact on first-time buyers
New mortgage multiples reflect market conditions, expert claims
Mortgage charges set to rise, experts say
Buy-to-let investors need to provide quality housing, says expert
Older couples can struggle to get overseas mortgage, expert warns
Fixed-rate mortgages should be approached with extreme caution, expert advises
Mortgages are baffling, expert says
Auctions more buy-to-let than first-time buyers, says expert
Find a remortgage to cut costs, expert claims
Mortgage holders renovate rather than move, says expert
New mortgage scheme a lifeline, expert claims
Take advice before you find a remortgage, expert warns
Mortgage borrowers varied, expert claims
Expert defends mortgage charges
Check fees before trying to find a remortgage, financing expert advises
Return of the first-time buyers, state experts
Consumers face dilemma trying to find a remortgage, experts say
Top London mortgages rise 20 per cent experts say
Buy-to-let competition increasing, expert says
Expert warns of pitfalls when trying to find a mortgage
Mortgages for graduates still niche, expert claims
Expert claims first-time buyers struggling with mortgages
Shopping around for mortgages can save money, expert claims
Mortgage lenders are punishing unjustly, says expert
Mortgage expert expects November cut
Banks still helping first time buyers, expert says
Mortgage lenders should offer negative equity cover, says expert
Bank of England will cut interest rates sooner rather than later, expert claims
Income eaten up by larger mortgages, experts say
Mortgage expert claims first time buyers priced out of Northern Ireland
No-fee mortgage brokers the way forward, expert advises
Buy-to-let borrowers could face hefty fines, expert states
First-time buyers seek profits, says expert
House purchase driving mortgage market, expert claims
Mortgage lenders wary of unconventional properties, expert notes
Trackers and discount mortgages best value, expert advises
Fixed mortgages better for first-time buyers, expert says
First-time buyers choose less than ideal homes, says expert
Britons still looking for Spanish mortgages, expert claims
Equity release mortgages popular, expert says
The housing market depends on mortgages, expert says
Buy-to-let has exceeded expectations, expert states
First-time buyers trapped, expert claims
Expert: Rate stability bad news for borrowers
Borrowers face fixed-rate mortgage rise, expert claims
Tracker mortgages still a good option, expert claims
Offset mortgages for futures, expert says
Tracker mortgages still good value, say experts
Mortgage prices to rise five per cent, experts believe
Expert: First-time buyers should avoid 25-year mortgage
Expert makes mortgage prediction over interest rates
Buy-to-let mortgage market not deterring first-time buyers, says expert
Some graduates prefer to rent, mortgage expert notes
Mortgage prices not peaked yet, expert warns
Expert: Housing market is "never-ending circle"
Mortgage market to remain strong, expert predicts
Mortgage expert slams Darling
Tracker mortgages to become more popular, expert claims
Mortgage rises could spell disaster, expert claims
Expert defends hips scheme
High levels of mortgage lending not a concern, says expert
Interest-only mortgages suit graduates, expert advises
Borrowers still face exit fees, expert warns
Find a remortgage fast, expert warns
Slovenian property popular for UK mortgage-hunters, expert claims
Equity release mortgages help lifestyle choices, expert claims
Expert predicts "double-edge sword" for first-time buyers
Keep looking to find a mortgage, says expert
Tenant demand good news for buy-to-let investors, state experts
Long-term mortgages a gamble, expert claims
Mortgage affordability harder for first-time buyers, expert claims
Mortgage expert eases crash fears
Xmas cutting mortgage activity, expert claims
Cape Verde a gamble for mortgages, expert claims
Clear mortgage debt while rates are low, expert says
Small mortgage rate changes could have big effect, says expert
Cheaper to find a mortgage than rent, expert says
Mortgage lending at a two-year high, expert claims
Equity release mortgages not a last resort, expert claims
Be careful with buy-to-let mortgages, expert warns
Mortgage market feels bite of US crisis, says expert
Millions extra paid in mortgages, expert claims
Harder for first-time buyers to find a mortgage in 2007, expert claims
First time buyers look overseas, expert says
Find a remortgage, mortgage expert says
Reduce mortgage balance, expert urges
First-time buyers must be helped in NI, experts say
UK residents can find a remortgage to aid retirement, expert claims
Borrowers should be careful with their mortgage, expert claims
Expert: Foreign mortgages borrowers should seek advice
The games will boost property prices, says expert
Expert notes "relatively slow" mortgage changes
Mortgage lenders passing higher costs on to customers, expert claims
Expert comments on new first-time buyer mortgage
Online mortgages set for boom, experts say
Interest-only mortgages could end in disaster, expert warns
Speculative buyers will wait until new years, expert claims
More mortgage applications being turned down, experts say
University towns good for buy-to-let investment, says expert
Mortgage expert calls for Hips to be scrapped
Buy-to-let mortgages help students, says expert
Find a remortgage to be saving money, expert says
Nationwide best mortgage lender, expert finds
Innovation to help first-time buyers, expert claims
Expert: First-time buyers not always hit by landlords
Adverse credit mortgages helpful, expert claims
Wales facing first-time buyer crisis, expert warns
Buy-to-let investment still strong, expert claims
Mortgage expert warns over fees
Buy-to-let market only for long-term mortgage investors, says expert
Mortgage expert questions higher lending charges
Don't try to find a remortgage for Christmas, expert warns
Best mortgage deals not around for long, expert claims
First-time buyers the lifeblood of mortgage industry, expert claims
Conservative's mortgage scheme doomed to failure, expert claims
New mortgage options to help first-time buyers, expert states
Britons opting for green mortgages, expert claims
Online mortgages a threat to mortgage lenders, expert says
Buy-to-let investors remortgage to extend portfolios, says expert
Income multiples good news for first-time buyers, expert claims
Fixed-rate mortgages popular, experts say
Remortgages confusing people, expert says
Savings useful when trying to find a mortgage, says expert
Buy to let mortgage expert makes fortune from students
Stubbing out cigarettes could cut mortgage terms, expert states
Expert: 100% plus mortgages good for first-time buyers
Housing market in Wales could avoid falls, expert believes
Expert: High loan-to-value mortgages no longer available
Expert predicts more affordable mortgages for first time buyers
May mortgage activity shows rise, claim experts
Consumer confidence back in mortgage market, claims expert
Mortgages to become less affordable warns experts
Scottish mortgage boom may be over, expert claims
Building Society borrowers protects from base rate rise, expert claims
Buy-to-let mortgage cost gap narrowing, says expert
Consult IFA when trying to find a mortgage, says expert
Mortgage lenders still strict, expert warns
Home information packs may benefit first-time buyers, experts suggest
Mortgage borrowing beginning to level out, expert claims
First-time buyers six months from disaster, expert claims
Mortgage borrowers cautious about fixed-rates, says expert
First-time buyers forced to gazunder, expert claims
Equity release mortgages to flourish in 2006, experts say
Shop around when trying to find a remortgage, expert suggests
Mortgage lenders positive on exit fees, expert claims
Experts warn mortgage lenders to change practices
Fixed-rate mortgage deals becoming cheaper, says expert
More Britons to find a mortgage abroad, experts predict
Expert recommends tracker mortgages
Britons seek foreign mortgages as investment, expert claims
Scottish first-time buyers forced out of cities, says expert
Sound decisions important in mortgage choice, expert suggests
Green mortgages vary, expert states
Interest rates to fall, expert predicts
Mortgage holders should not fear negative equity, expert claims
First time buyers look to family for help, expert states
Longer term mortgages could save struggle, expert advises
Buy-to-let market still strong, expert claims
South Africa stressful for mortgage hunters, expert claims
HIPs will help find a mortgage, experts predict
UK residents miss out by trying to find a remortgage, expert suggests
First-time buyers facing derelict homes crisis, expert says
Expert calls for mortgage hunter help
Expert: Professionals should seek mortgage advice
First-time buyers in London have lowered ambitions, says expert
Expert: Parents are helping out first-time buyers
Expert: Buy-to-let investors should look for long-term gains
Stamp duty a hindrance for first-time buyers, expert claims
Slovakia perfect to find a mortgage, expert claims
Buy-to-let investors boosting portfolios, expert claims
Fixed-rate mortgage deals in good shape, expert claims
Buy-to-let mortgage market changing, experts say
Bigger mortgages, smaller costs, claims expert
Mortgage lenders have a green responsibility, expert claims
First-time buyers want trendy flats, expert says
Graduates should shop around for mortgage deals, expert states
Offset mortgages more visible, expert claims
Further difficulties for first-time buyers, expert predicts
Expert advises to find a remortgage
Find a remortgage for home improvements, expert advises
Tracker mortgages uncertain but can offer savings, expert says
Offset mortgages have mass appeal, expert claims
Market conditions tough in rural areas, expert says
First-time buyers to struggle in 2007, expert claims
First time buyers helped with innovative mortgages, expert claims
Expert predicts struggle for mortgage holders
Nationwide mortgage decision a u-turn, claims expert
Expert: Student debt should not burden first time buyers
New products will drive buy-to-let market, experts advise
Mortgage information needs improvement, expert warns
Mortgage debt no problem, expert states
Buy-to-let shows phenomenal growth, says expert
HIPS face criticism from mortgage expert
Foreign mortgages attractive to first-time buyers, expert claims
Expert offers tips on mortgages
Little financial education a real problem for mortgage hunters, says expert
No exit fee activity from mortgage lenders, says expert
First-time buyers should be realistic, says expert
Mortgage lenders move to affordability, expert says
| mortgages news |
|---|
| Yorkshire Building Society makes mortgage more accessible - Thu, 02 Sep 2010 |
| Lloyds TSB launches new fixed-rate mortgage - Thu, 02 Sep 2010 |
| Skipton launches new mortgage range - Wed, 01 Sep 2010 |
| More News |
Mortgage Rates by Lender 
Worried about Mortgage Repayments?
- Join our petition to Government to bail out burdened individuals, not just banks.
Free Mortgage Quote
Mortgages in Scotland
Equity Release
Switching Mortgages
Home Reversion Plans
Commercial Mortgages Arrears & CCJs?
Remortgages- Sub prime mortgages
- Arrears, CCJs
- Self certification
- Debt consolidation
Protect Your Mortgage