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This final bonus is not guaranteed in any way

If the rate offered is a variable rate, it may rise or fall in line with any base rate changes during the term

The above mortgage products may have other criteria which will require evaluation before deciding if the product is suitable for an individual

Flexible Mortgages

Assuming your intentions to purchase are serious, it is vital to put in some preparation work to ensure you are taken seriously by an agent and seller

This type of mortgage is often taken out in conjunction with other offers such as cashbacks

c) A combination of the above

Lenders may offer payment breaks or repayment holidays as part of their personal loan package and these allow you to take a break from your repayments at the beginning of the loan or at any agreed point during the term

There will usually be a required period of payment before protection will become available and some people may be excluded from its cover

A survey carried out by the mortgage lender should indicate what sum to insure

5%

Demand for housing is higher than the property available

5 to 3 times joint income

As a general rule, it is advisable to compare the APRs of different loans, as this is a good way to determine how competitive they are

The endowment is a long-term investment product, which should be held to maturity to get the maximum benefits

- keeping them all in one place for when you need them

It may also indicate how genuine the sellers are

Payment is either up front, or added to the overall loan

The lender will discuss the level of survey required, but at the very least will require a valuation of the property before agreeing to any mortgage advance

The proportion of UK housing stock taken by rentals stood at a low of 7% in 1989, but has grown to 11% in the ten years since

5%

We specialise in helping people who find it difficult to obtain a mortgage or loan

RICS The Royal Institution of Chartered Surveyors (RICS) is an independent, not-for-profit organisation, which is required to act in the public interest. Originally formed in 1868, RICS is a professional body that represents, regulates and promotes chartered surveyors and technical surveyors. RICS has over 110,000 members in 120 countries and is the leading professional body addressing all aspects of property, land, construction and their associated environmental issues. more info: http://www.rics.org.uk

This could end up saving you time and money

Buyers should check carefully any property they wish to buy for such restrictions

Searches - what they should highlight Your solicitor will carry out local searches to ensure that the property you are planning to buy does not have, for example, a road planned at the bottom of your garden, any compulsory purchase orders attached to it, or any local land charges adjacent to the property you are buying

4% off for 1 year

Detailed below is a quick checklist of information we would suggest you have at your fingertips when considering moving your mortgage: What is your current interest rate? The amount of your monthly payments