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Just offer independent advice with regard to over 4,600 mortgage products

It is usually attributed to either the agent has been too pushy, the buyer has not put enough thought into what they really want or a professional timewaster is at work

The borrower also takes out at the same time, an alternative ‘repayment vehicle’ (method of paying off the mortgage) such as an ISA, pension plan or endowment policy

In the longer term, with flexible mortgage rates, you should see the reduction of the amount owing occurring more quickly than a standard mortgage

FIXED CAPPED DISCOUNT VARIABLE Fixed Rate Mortgage

Has it been recently decorated? Does it require any major work or modernisation? Ask what else is included in the sale

Borrowers who anticipate rising interest rates

The standard period is 14-28 days after exchange

Interest only

For example, the variable rate may be 5% with a discount of 1

Survey costs The cost will vary according to how thorough a survey you require (from £300 - £800 on average)

The amount provided by the investment product cannot normally be guaranteed

Unfortunately not all estate agents are ethical in this area

The earlier you contact them, the more sympathetic they are likely to be

It should also be noted that whilst a Maxi has a single investment manager for all three elements the Mini ISAs will have an individual manager per element therein