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Much maligned in the press because of the poorer investment growth rates achieved in a low inflationary environment this form of investment is less popular these days

Although your repayments are unprotected from any sudden increases in interest rates you will benefit from any reductions

Using an ISA as a repayment vehicle is growing in popularity but due to the ISAs complexity it is only for the financially sophisticated or borrowers taking advice from a suitably qualified financial adviser

The level of taxation rises according to the property/land price

It is common practice for lenders to pass this charge on to the borrower

External Observations Ask to see the garden and the garage

Avoidance of early redemption penalties

Unless these payments are guaranteed then as a rule of thumb expect that 50% will be taken into account

However should rates increase the payments will be ‘capped’ and will not rise over the capped rate

In this case all is not lost, other factors may come into play such as the sellers current position and reason for sale

The amount is usually measured in either pounds or months

Advantages: With the built in life assurance and in most cases critical illness insurance the overall cost is usually lower

More detailed reports are also available for a small fee

First and most important: If you have a property to sell, obligation a free appraisal from more than one estate agent

The Internet is an extremely useful tool, but as with anything else there are ways to get the best from it

The repayment term available may depend on the purpose for which you require the loan, and may be restricted accordingly (e

Check the plumbing and wiring

The seller in turn will most likely invite you to make an offer on or before a closing date

It acts as a form of insurance for the lender not the borrower

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

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

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

Possibly tied in to variable rate with same lender for various periods following the fixed rate term end