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

Check to see if this applies with your lender or solicitor

Noise abatement orders

Often mistakenly called an endowment mortgage, interest only mortgages are loans where the lender agrees to charge purely interest throughout the term of the mortgage

The philosophy behind this type of mortgage is that all your money reduces the outstanding balance on your mortgage, and, as the interest is calculated daily, your interest payments are correspondingly reduced

You believe that the investment market over the period of your mortgage is likely to generate a cash surplus over and above that required to repay the mortgage

It will be based on settling the mortgage at that moment in time, so the final figure at completion/taking entry will vary marginally

Gaining as much information about the reasons for the sale and the condition of the property will pay dividends later when making an offer

If you, your solicitor and your lender are happy with the survey then your solicitor can make a formal offer

The current options available to you in conjunction with interest only mortgages include endowment, pension or an Individual Savings Account (ISA) Advantages: There are a variety of investment vehicles available to use to repay interest only mortgages, some offering tax advantages

The second influence on the amount you can borrow is your current level of income

Individuals on a tight budget expecting wage increases over the first few years of the mortgage

Default Failure of an individual to make payments on a mortgage at the correct time or to not comply with the mortgage companies requirements

There are some important facts to understand about the mortgage indemnity charge

It will not protect you to the same degree, but if speed is of the essence, it can save weeks