A CVT does not strictly require the presence of a clutch. Nevertheless, in some vehicles (e.g. motorcycles), a centrifugal clutch is added to facilitate a neutral stance, which is useful when idling or manually reversing into a parking space.
While it does not take perfect credit to get a decent mortgage, buyers with better credit scores get mortgages with lower interest rates and may be exempt from certain fees during the mortgage process. First-time home buyers should be aware of their credit histories and expect mortgage rates to reflect them.
Make sure you can afford your monthly repayments. As a first-time home buyer, the most important thing to bear in mind is whether you can really afford to take this step. Itâs wise to put together a budget before you start looking for a property. There are now strict checks when you apply for a mortgage.