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Advantages: Monthly payments can adapt to the level of monthly income you receive

Once all documentation is in order (after checking with you and your lender) the solicitor will send the title deeds for recording in the Register of Sassines or registration in the Land Register of Scotland

Put the owner on the spot and see what reaction you get

Suitability: The flexible mortgage option is suitable in a number of circumstances the most common being those identified below: Self employed or contract workers

TIP: Buyers should make note that they are responsible for the insurance of the property on exchange of contracts, not when you move in

The amount borrowed is repaid monthly over a term agreed at the outset, which will usually range between three years and twenty five years

Payment is either up front, or added to the overall loan

Setting the completion date The standard time between exchange of contracts and completion is four weeks

Capped Rate Mortgages

The amount provided by the investment product cannot normally be guaranteed

When lenders quote their APRs they will state whether these are typical or whether they are set at one rate for all successful applicants, regardless of the risk they present

Note there is no guarantee that, when the endowment matures and ‘pays out’, the balance will be sufficient to repay the mortgage

The elements incorporated within the plan include cash, stocks and shares as well as insurance elements

The policy is usually highly portable and allows free movement from lender to lender

1 week to go Pay all local milk/paper bills. Cancel any services, e.g. window cleaner, milkman, newspaper delivery. Return videos/library books/pick up dry-cleaning. Drain petrol/oil from any garden equipment. Prepare directions for removals company. Confirm final details with them and include contact/mobile numbers for you throughout the day. Make sure all the utilities at your new home will be fully functional for when you move in.

Capped Mortgage Capped Mortgages guarantee that the interest rate charged will not rise above a certain level for a set period of time. However, if the Standard Variable Rate goes below the capped rate, the Standard Variable Rate will apply. Once the set period of the capped rate has ended, the Standard Variable Rate of interest will be charged.

It is not permissible for holders of a Mini individual savings account to open a Maxi individual savings account and vice versa

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

Another form of insurance common in the mortgage industry is a Mortgage Payment Protection Plan

Further fees such as arrangement fees are also frequently experienced with this type of rate

In such cases there are three possible routes of action that may be of help

However, most vendors are reluctant to take the hit on the full amount

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

If you have no life assurance cover in place and die before the loan is repaid, the mortgage will still need to be repaid

Many lenders now offer specialist buy to let mortgages that allow private landlords to fix their interest payments for five years or more, providing you with some security over mortgage funding costs