Well I'm in the middle of nowhere at the moment and have some time to contribute some of my limited knowledge here. It could be anything and I know some experts here will answer as well. I'd write up some stuff every night I think.

Disclaim: I'm not a financial advisor nor an estate agent (I work in IT actually) so any suggestion I offer here would be from my own experience and my own opinion. So think before you make decision and don't take what I say here for granted.

Advise, please. Is it worth to get a mortgage on buy-to-let base? Thank you.

Depends on your situation and sometimes you are forced to take out a buy-to-let mortgage instead of normal buy-to-live one. Generally speaking BTL mortgages require more deposit and have higher interest rate. If you don't own a property at the moment, it is possible to take out a normal mortgage on a property you intend to rent out, by claiming that this is your main home. If you already own a property, it is likely that lenders will insist you get a BTL mortgage.

BTW I don't really understand what you were asking by "worth", BTL mortgages are not preferable in many cases so my short answer would be no don't get one if you can.

Thanks for starting this thread, I'm about taking a mortgage and very confused about choosing the right mortgage deal. There are so many options, which would you best recommend in the current market trend?

Thank you so much. Keep fingers crossed, my house will be sold.

It's hard to tell as it depends on various factors, from as big as economy outlook to as small as your personal finance. For first time buyers taking out a large mortgage, it is generally advisable to have fixed rate deal lasting for 2 or more years and remortgage afterwards. Well at least this is most of people do in this country. BUT things started to change drastically since the end of last year which sees interest rates of fixed rate mortgages go up significantly. And in absolute math terms, taking out a tracker or variable rate mortgage is probably more sensible as the rates are lower than fixed counterparts. However, tracker/variable rates can go up as well as down and as inflation stays high, BoE's interest rate will be likely to go up instead of down which means a tracker/variable mortgage's rate will go up accordingly which is not a good thing, especially for first time buyers who have already stretched themselves (at least in London). So choice is yours really. If you're happy with the risk, go for a tracker; otherwise taking a fixed rate mortgage and know extactly what you;ll be paying each month so that you can budget your finance easily.

BTW you can pop in a news agent looking for some mortgage or property magzines which normally have some regular column introducing the basis of different types of mortgages. Even if you decide to find a mortgage through a mortgage broker, knowing a bit basic knowledge will do you no harm.

Good luck!

Thank you!

楼主，英国的房子大都很老。一般来说，哪些年代的房子相对质量较好？相反哪些年代应该回避？谢。

Good question which means I'm unable to answer as this is a domain where people like whap01 would be familiar with. IMHO it's more of personal taste than good or bad, as long as the structure is sound. I know many locals are obsessed with old, character houses dating back > 100 years and some of Chinese do share the same thought, for properties that are not available in China. I just hate to think about maintanence so I'd go for modern properties with distinct features so you are buying new but not the same new build as everyone buys.