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

A standard policy will typically include such cover as loss or damage to your possessions while in your home, alternative accommodation to the value of 15% of the value of the sum assured

Advice on Affording a Mortgage

Ask about the sellers position

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

The earlier you contact them, the more sympathetic they are likely to be

Survey costs The cost will vary according to how thorough a survey you require (from £300 - £800 on average)

Once the written negotiations (missives) have been completed, your solicitor will obtain the Title Deeds to ensure the seller is the genuine owner and check with the local authority on a range of matters (searches) to make sure you understand how or whether your property is affected by rights of way, restrictions of use and so on

There is potential for higher returns than endowments

You are not looking for a guarantee of repayment at the end of the mortgage term

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

On your mortgage statement, normally received annually, you will see that the amount borrowed decreases throughout the term

a £47,500 mortgage on a purchase price / valuation of £50,000 would result in a £750 charge on a typical MIG charge of 7

These may include 100% mortgages or a range of fixed or capped rate mortgages (see Mortgage Guide) unavailable to non-first time buyers

A Guide to Unsecured Personal Loans Unsecured personal loans are offered by lending institutions such as banks and building societies

It is usually attributed to either the agent has been too pushy, the buyer has not put enough thought into what they really want or a professional timewaster is at work

Just offer independent advice with regard to over 4,600 mortgage products

If so, be bold and ask to see them

It simply informs the seller of your interest

This payment adjustment in many cases will not occur until the lender conducts the annual review of the loan account