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

You will be kept up-to-date on the progress of your application by e-mail

These bonuses termed either annual or reversionary cannot be taken away

Buy to Let Mortgages

Are they in a chain? How quickly do they want to move? Ask if the agent has a sole agency agreement Having been satisfied with your initial enquiries, it is now time to book a viewing

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It is worth noting that the shorter you make the administrative process, the more organised you will need to be

Specific questions which may cover issues such as disputes with neighbours, alterations to the property, etc

See below for a quick guide to secured loans

Sealing Fee This is a fee charged by all lenders for discharging a mortgage when it is repaid in full Searches A buyer’s solicitor normally carries out searches. The solicitor will carry out local searches on your behalf to make sure that the property you are planning to buy does not have, for example, a road planned at the bottom of your garden or any compulsory purchase orders attached to it. This is usually done by a search of the local land register. Your solicitor sends a standard form to the local authority that will enter details of any local land charges adjacent to the property you are buying. The speed with which the results are returned varies considerably from borough to borough. You can speed up the process by arranging a personal search. You pay a fee, whereby a search agent, appointed by your solicitor, calls at the offices of the local authority and the search is conducted there and then. This is not an official search, so will not protect you to the same degree, but if speed is of the essence, it can save weeks.

Plan and think ahead

The amounts can range from a flat fee e

Therefore, a reputable agent will forward all offers to their client even if these are made after an offer has been accepted

Each month therefore you make two separate payments, one to the lender and one to the investment you have selected to repay the loan

Ensure that you know how the settlement figure is made up

It should be noted that individual savings accounts are relatively new products and as with any piece of new legislation there is always some degree of uncertainty over its long term future

It is important to note that you will still need to fund the shortfall in the advance at completion, albeit on a shorter term basis

Each lender will have a maximum percentage of the value that they will be willing to lend in each individual circumstances, this is more commonly known as the maximum loan to value (LTV)

Completion Completion is the final stage of the mortgage process and occurs when the solicitor or conveyancer dealing with the purchase or remortgage is in a position to receive the mortgage funds. Daily Interest Here, the interest rate is calculated on a daily basis. By calculating and charging interest on the balance outstanding at the end of each day, you can get an immediate benefit from any payments of capital. Interest is compounded daily. It does however mean that if you miss or are late with any payments, interest will accrue immediately on the outstanding amount.

Those with FRICS, ARICS or Tech RICS after their name are members of the Royal Institution of Chartered Surveyor and are subject to the RICS formal complaints procedure if clients are unhappy with the work carried out

Overpayments and lump sum payments into your mortgage account can be made reducing both the interest and capital amounts repayable