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Each month therefore you make two separate payments, one to the lender and one to the investment you have selected to repay the loan

In certain instances the valuation figure returned by the surveyor may not equal the purchase price

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

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

In many cases, lenders offer different rates depending on the method by which you apply

Be prepared

Disadvantages: The final value of the policy may not be entirely sufficient to repay your mortgage or the monthly premium may have to be increased later on in the term of the mortgage to compensate for poor returns

STEP 1 - WHICH LOAN? Unsecured personal loans are available for a range of different amounts and repayment terms

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

Personal Possessions (including cash) on an all risk basis, in and outside the home

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

This can lead to an individual paying interest on a mortgage for in excess of 25 years, which is generally an unnecessary expense

How long does your present fixed, discounted or capped rate last for

FEATURES AND OTHER BENEFITS OFFERED WITH MORTGAGES There are other key features and benefits to be considered when determining the best mortgage for a prospective borrower

It should also be noted that whilst a Maxi has a single investment manager for all three elements the Mini ISAs will have an individual manager per element therein

However, try to include as much as possible in the negotiations

Assuming that you have your financial preparations in place (a mortgage in principle)

If you are refused a personal loan or wish to make enquiries concerning your own credit file, you can apply to the credit reference agencies for a copy of your credit file

The valuation does not represent a detailed inspection

Absolute title Having absolute title on a property means that you have full rights and ownership relating to the property

Agricultural Covenant A planning covenant that allows the construction of a residential dwelling provided it is to be occupied by a person employed or associated with working on the land. Properties such as this tend to attract a lower value, as they can only be sold to another person in similar circumstance unless the covenant is lifted. Annual bonus A bonus paid annually on an endowment mortgage which is dependent on the performance of the investment fund you are using to repay your mortgage.

This policy is designed to offer income protection against unemployment, sickness and redundancy

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

It is worth noting that the shorter you make the administrative process, the more organised you will need to be

Just Financial Advice UK Ltd is an independent mortgage advisor and will be able to help discuss the options with you, answer any questions you might have and agree a course of appropriate action

There may need to be further formal letters before both parties are in full agreement and your offer is accepted