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The cost is usually dependent upon the type and size of property, but expect to pay between £300 - £800

If you have a flexible mortgage, you may be able to vary the amount of the monthly repayment and you may be able to pay in or draw out lump sums

When and how to talk to agents When to start taking to an agent about buying is entirely up to you

Subject to your circumstances, you may be able to borrow up to 125% of the property value

The period of borrowing is for a short period (say less than 12 years) You are nearing retirement and want the security of guaranteeing the repayment of your mortgage

Interest Only Mortgage Advice

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

This may mean that you require a scheme which permits lumps sum payments to reduce the mortgage or may be seeking to combine both your current account and mortgage borrowings in the same financial product

Conditional planning permissions granted

So as a rough ‘rule of thumb’ a capped rate is better to have than a fixed if all other factors are equal

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)

Cashing in the plans early may result in financial penalties

The lack of discipline in the monthly payment means the temptation is there to spend the money on other matters

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

Disadvantages: In the first few years of the loan the largest proportion of your regular monthly payment goes to pay off interest – the balance outstanding is hardly reduced at all

Suitability: A pension policy linked mortgage is the most suitable option in a number of circumstances the most common being those identified below: This option is only really suitable for a small minority of people

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

Be precise when filling out the registration forms

How we can Help Obviously prior to making any decisions comparisons from other providers should be obtained

Generally anything between 1 and 25 year fixed rates are available

Some lenders do offer cashbacks in conjunction with other offers such as discounts or fixed rates