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Other factors may well be involved

If you are mortgaging the purchase of your property then the lender will make it a condition that you take out their Mortgage Indemnity Insurance

Our Mortgage Calculator will allow you to see how much you can borrow and the cost of your monthly repayments

Capped mortgages enable you to place a limit on your monthly mortgage commitment, plus they benefit from falls in interest rates

Lenders will also use credit reference agencies to obtain information about you

This tends to be around £200 - £250 and becomes payable as soon a the reservation is made

Specific questions which may cover issues such as disputes with neighbours, alterations to the property, etc

With this type of mortgage, interest may be calculated on a daily or weekly basis

There will usually be a required period of payment before protection will become available and some people may be excluded from its cover

At this point a survey will need to be arranged so that a firm and informed offer may be made

To take advantage of the offer the mortgage applicant will normally need to use a firm of solicitors or licenced conveyancers nominated by the lender

Mini individual savings accounts are also divided into the same three areas although only one of the investment areas may be held in each policy

Lenders offer insurance policies or payment protection schemes to protect you in the event of accident, illness, unemployment and death (subject to conditions), for which the charge is added to your monthly repayment

The seller is legally required to answer these enquiries honestly! But do they? We believe not always

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

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

Overpayments and lump sum payments into your mortgage account can be made reducing both the interest and capital amounts repayable

Current Account Mortgage (CAM)

First Time Home Buyers Buying your first home can be a daunting proposition

Capped mortgage Capped mortgages have a limit to any increases in the variable rate, for a selected period of time

99% 2 year discount, no extended ties fee free remortgage

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

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

Most insurance companies will have extended buildings cover options which are well worth considering

The amount is usually measured in either pounds or months

YOU CAN APPLY FOR A LOAN WITHOUT LEAVING THIS SITE! the facility to apply online for your personal loan

This type of mortgage may be suitable for you if the nature of your income is such that satisfying a lenders requirements may prove difficult

Advantages: The tax advantages of individual savings accounts allow you to receive tax-free returns

Solicitors require at least 7-10 days to release the necessary funds

You can also seek advice from a voluntary organisation such as The Citizens Advice Bureau