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At Just we can complete a full analysis of the market using the most up to date information available

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

12 weeks to go Try starting a notebook to record details

APR may vary

Many flexible mortgages come without any Early Redemption Charge so the borrower is not ‘locked-in’ to any particular lender

Lenders now offer insurance policies that pay mortgage bills for around a year if you lose your job

Garden Cover - While most buildings insurance provide cover for patios, paths and driveways

Some inexperienced and less ethical agents are driven by working on commission or sales targets and may be inclined to try scare tactics or apply pressure for you to purchase

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

Receive replies to questions raised and reports to you with the contract for signing

Under the terms of The Mortgage Code of Practice the lender will, before a mortgage applicant takes a mortgage, provide a tariff covering the repayment of the mortgage, including charges and additional interest costs payable in the vent of arrears and will advise of any other charges for services before or when the service is provided

As you would expect lenders apply an Early Redemption Charge with cashback mortgages

The rate will also provide a buffer against increases in the interest rates

Mortgages offering a 5 or even 6% cashback can be found which would mean a borrower taking a £70,000 mortgage would receive £4,200 on completion (at 6%)

Typically a borrower will be locked-in for 5 to 7 years where a substantial cashback has been paid

Arrears This describes the amount the borrower is behind in his mortgage repayments schedule