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Providing a combination of the security of knowing the maximum monthly cost for a set period with the opportunity to take advantage of any downward movement in the mortgage rates, this is a popular choice for many borrowers

The Mortgage Code The mortgage code provides protection for the borrower and sets out minimum standards which mortgage intermediaries and lenders should meet

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

This protects the lender in case you do not repay the loan and your home has to be repossessed

The investment vehicle is entirely portable and can be taken with you to a new lender no matter how many times you might move

All formal letters and missives go to create the contract

the mortgage does have an Early Redemption Charge but it does not last longer than the fixed, capped or discount period

Nonetheless millions of borrowers have one or more endowment policy and as a rule of thumb these should not be cashed-in early and certainly not before seeking advice from a suitably qualified financial adviser

This had much to do with the amount of properties being repossessed at the time

Tree preservation orders

(Gazumping)

See below for more information about these features

If added to the loan then interest is charged over the duration of the loan

Current Account Mortgage

carpets and curtains, wall lamps, etc

For example, setting the price range on your next home

conducts a local authority search to highlight planning, financial and other charges affecting the property

Compulsory purchase orders

There is a wide range of contents insurance options and packages on the market

Much depends on the agent, the seller and your confidence in your negotiation skills

DISADVANTAGES If the proceeds of the repayment vehicle do not achieve the amount expected, then there will be a shortfall

Some lenders do offer cashbacks in conjunction with other offers such as discounts or fixed rates

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

5%

Just Mortgages UK will explain the many schemes available and will help you to find the most suitable option for your circumstances

In such circumstances the borrower will be facing a significant increase in their monthly mortgage payment at the end of the discount benefit period

Receives search results and deals with any problems revealed

This rate is known as the Annual Percentage Rate (APR)

5% of the value of the property for your conveyancing

For peace of mind it may be appropriate to obtain a ‘Housebuyers Report’ or a ‘Full Structural Survey’

Neighbours - are you inheriting a problem? During the process of creating the draft contracts the seller completes a questionnaire from their solicitor