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IFA - independent financial adviser. These are regulated advisers and should do a detailed financial fact find before considering the whole market to find you a mortgage.

interest-only mortgage - a mortgage where you pay interest on the entire loan to the lender for the whole mortgage period while putting money into a separate investment which should grow to cover the loan.

income multiplier - how a mortgage lender works out how much you can borrow, usually by multiplying your gross annual salary. Common multipliers are three times salary or two-and-a-half times combined salaries.

ISA - individual savings account. A tax-free wrapper for investments in stocks & shares, life assurance and cash, sometimes used by borrowers as a repayment vehicle for their interest-only mortgage.

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