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This tends to be between £25 - £50 and may be avoided if enough objections were made

a 5 year discount with a 7 year ERC

Borrowers with new loans only get the interest paid after waiting for nine months

Including gas and electric suppliers and insurance companies etc

The elements incorporated within the plan include cash, stocks and shares as well as insurance elements

An investor may only hold one of each Mini in any tax year

As a consequence of not being ‘locked-in’, the rate offered on these schemes will usually not be as competitive as for mortgages with redemption penalties, making them most suitable for those who are likely to keep track of current rates and wish to remortgage quickly if they find a better rate, or those who may have to repay their loan in the first few years

Booking fees are often non-refundable, so if the mortgage applicant cancels the mortgage application before completion the fee will not be reimbursed

Another handy tip often overlooked or underrated is to check out the school run or office trips that you would normally take

Normally a lender will require a non-refundable booking fee in advance to reserve this option

There are two basic types of endowment policy – the with profits version and the unit linked version

The experienced agent is likely to be skilled in the art of negotiation and know what buttons to press

Endowments provide life assurance so that in the event of death the mortgage is paid off

on a particular day a borrower has a mortgage balance of £50,000 and has £2,000 held in the current account

Check it out and see how the neighbourhood is rated

Advantages: Cash payment may be useful to those utilising their savings as a deposit, to enable them to afford fixtures and fittings for the property

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

The savings can be considerable although you have no protection against increases in interest rates and may find that an increase takes you over your budget

A buyer will also have to instruct a survey to be carried out on the property to establish its true condition