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5%

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Home working equipment cover

Interest only

County Court Judgements (CCJ) An adverse ruling by a County Court against a person who has not satisfied their debt payments with their creditors

Last but not lease a Structural or Building survey which are recommended for period homes or properties of unusual construction

Individuals on tight budgets expecting wage increases over the first few years of the mortgage

Mortgage Indemnity Charge (sometimes referred to as a High Percentage Lending Fee) For high Loan to Value (LTV) mortgages i

You believe that the investment market over the period of your mortgage is likely to generate a cash surplus over and above that required to repay the mortgage

In many cases if approached sensibly, a happy medium can be reached

1 week to go Pay all local milk/paper bills. Cancel any services, e.g. window cleaner, milkman, newspaper delivery. Return videos/library books/pick up dry-cleaning. Drain petrol/oil from any garden equipment. Prepare directions for removals company. Confirm final details with them and include contact/mobile numbers for you throughout the day. Make sure all the utilities at your new home will be fully functional for when you move in.

Exposure to interest rate rises

Poor Credit & Loan Advice

Advantages: Generally, the rate charged will be lower than the variable rate applicable under a standard mortgage

INTEREST RATES ON MORTGAGES When you have chosen the right mortgage for you, whether it be a repayment or an interest only mortgage, you will need to consider the 4 main mortgage rate options available

As a consequence it is important that the payments are maintained into the repayment vehicle otherwise it will not be possible to pay off the mortgage at the end of the term