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Replacing any damaged, lost or stolen items on a new for old basis

Noise abatement orders

Garage contents Items taken away from the home such as pedal cycles, jewellery, mobile phones etc Mortgage Indemnity Insurance Also known as Mortgage Indemnity Guarantee

For a mortgage secured on a property, insurance may be required

Redemption fees If you already have a mortgage on your existing property then it is possible that a redemption fee may apply

The capped rate has a maximum rate above which your loan will not be charged, however should the lenders variable mortgage rate fall below the level of the cap then you will still benefit from this rate

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

Which way is the property positioned? East facing rooms will receive more sun in the morning; West-facing rooms will be brighter in the afternoon

If you are unsure, talk to local estate agents and solicitors

Having difficulties obtaining a mortgage, because of CCJs, defaults, or arrears? We are experts in finding mortgages and loans for people with poor credit

In addition the interest rate charged is often lower than the usual Standard Variable Rates charged by the other more ‘traditional’ mortgage lenders

Each lender will have a maximum percentage of the value that they will be willing to lend in each individual circumstances, this is more commonly known as the maximum loan to value (LTV)

Index Linked Buildings Insurance This type of insurance covers the main structure of your home (not the contents) and is required to protect you against the cost of rebuilding your home in the event of fire, flood or similar disaster

The capital amount is to be repaid at the end of the period agreed

The Act contains strict regulations about how money is lent and covers unsecured loans up to £25,000

If negotiation is required, these offers and counter offers are known as missives

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

County Court Judgements (CCJ) An adverse ruling by a County Court against a person who has not satisfied their debt payments with their creditors

There is a wide range of contents insurance options and packages on the market

When viewing we always suggest taking someone with you for a second opinion as well as your own safety

Disadvantages: Associated redemption penalties are restrictive

Redemption penalties can prevent restructuring of your mortgage and associated finances