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Disadvantages: Generally you will be unable to obtain fixed, discounted, capped or cashback rates on flexible mortgages

As a general guide, it is advisable to compare the APRs of different products as this will help you to determine how competitive they are

The skilled agent will ask a series of questions that determine how serious you are, what properties will be of interest, what else they can sell to you and how quickly they can do it

As the discount is linked to the standard variable rate, the borrowers payments will increase, if rates rise – so there is no certainty in budgeting

The cost of this is therefore to be taken into account when selecting a lender

Why indexed linked? - As time goes by, the rebuild and repair costs of any property damage are likely to increase, thus if the sum insured does not rise in relation to these, you will end up being under insured

A system of feudal tenure exists in Scotland, under which the seller has the power to impose permanent restrictions on the future use and development of the property and land

Lockout agreements and contract races Preferable at the time of offer try to ensure that the agent and the seller agrees that higher offers will not be entertained (gazumping)

The plan provider will then add bonuses to the individual plans at the year-end depending on the performance of the investments within the fund

These are normally paid by bank or building society draft to ensure that they will be cleared in plenty of time for the date of entry

During the early years you will find the charges in certain policies will eat into the premiums and reduce the amount you are accumulating towards the repayment of your mortgage

A mortgage is a sum of money borrowed from a bank or building society in order to purchase a property

The capped rate has a maximum rate above which your loan will not be charged, however should the lenders variable mortgage rate fall below the level of the cap then you will still benefit from this rate

If so, be bold and ask to see them

It is worth noting that the average property purchase price in the UK has now hit over £100,000

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

For example, setting the price range on your next home

Structural surveys are more appropriate for older homes where there is a greater potential for difficulties to arise

you as a loyal customer with a new loan

Stamp Duty becomes payable at the time of completion/taking entry and is normally made via a solicitor

A removal firm will normally supply a quote over the phone, based on the location your moving from and to

5% of the value of the property for your conveyancing

Free Valuation or Refund of Valuation A free valuation requires no up-front payment from the mortgage applicant whereas a refund will only be made when and if the mortgage application completes

Generally these polices will be accepted as having the potential for greater and faster growth than the with profits but there is also the risk that they may not produce such a steady long-term return

Suitability: The flexible mortgage option is suitable in a number of circumstances the most common being those identified below: Self employed or contract workers

It is important to bear in mind that many lenders charge a small premium on self-certificated business to reflect the extra risk involved

Especially if you are intending to take out a new loan or transfer your existing loan to another lender because they offer better rates or terms

Index Linked Buildings Insurance This type of insurance covers the main structure of your home (not the contents) and is required to protect you against the cost of rebuilding your home in the event of fire, flood or similar disaster

Flexible Mortgages

Not all buyers pull out as a result of the condition of property itself, but it is worth noting that further enquiries should be made as to the reasons for a previous buyer pulling out

Buy To Let Mortgage Buy To Let mortgages are taken out to buy a property for the sole purpose of letting as an investment.