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the mortgage does have an Early Redemption Charge but it does not last longer than the fixed, capped or discount period

FLEXIBLE / LIFESTYLE MORTGAGES CURRENT ACCOUNT MORTGAGE (CAM) CASHBACK FREE LEGALS OR CONTRIBUTION TOWARDS CONVEYANCING COSTS FREE VALUATION OR REFUND OF VALUATION FEE OTHER BENEFITS Flexible / Lifestyle Mortgages A Flexible or ‘lifestyle’ mortgage is designed to let you to make extra repayments when you have extra money, and to reduce or even skip payments when necessary

Borrowers who anticipate rising interest rates

Obviously, neighbours have the potential of making your life absolute hell; So if you have a doubts do not be afraid to ask

Outline Information is available free of charge, by entering a postcode

Not only will an estate agent take you more seriously, but the seller will feel more comfortable and have more confidence that you are not time wasting

Again, if you have any concerns about this, your solicitor will be able to advise you

Buyers Market

If remedial work is required ask the owner if they have had any quotes

Lenders now offer insurance policies that pay mortgage bills for around a year if you lose your job

Generally this cost is being phased out in the market but you may still encounter this premium for loans above 80% of the house value

Get the first 3 months FREE on any premium

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

Alternatively the title deeds will be sent to the mortgage lender in the case of raising finance for the purchase

Providing the product has a red apply icon, you can submit your application without leaving our site

This information is likely to have been given to the seller and will form part of there judgement of your offer

In such cases the lender may decline the advance, restrict the amount they are prepared to lend or place conditions on the advance

Suitability: The interest only mortgage option is suitable in a number of circumstances the most common being those identified below: You do not mind taking some degree of financial risk

The amount you repay the lender each month can be at a fixed interest rate for a certain period of time, regardless of the interest rate in the market place

Often it may require obtaining quotations for any remedial work required to form the basis of any negotiation on price

Borrowers will be required to remain on the lenders variable rate of interest for a pre-determined period of time

The key advantage is that you should be able to track the process of the purchase online

Advantages: Complete flexibility within the mortgage market allowing option to move from lender to lender should the opportunity to take advantage of more competitive rates elsewhere arise

Generally these polices will be accepted as having the potential for greater and faster growth than the with profits but there is also the risk that they may not produce such a steady long-term return

Reductions or increases in the rate will result in a direct increase or decrease in the monthly payment to the 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.

Gaining as much information about the reasons for the sale and the condition of the property will pay dividends later when making an offer

Sewers and drainage

It is normal practice to specify in an offer exactly what moveables you want to ensure that these are included in the sale and that there is no room for miss interpretation

Know which location/s you prefer

Disadvantages: There are currently a relatively small number of lenders offering this type of mortgage at present

Taking entry The solicitor will advise you on checks to be made when you enter the property and what to do if you encounter any problems

It is likely that the first payment will be double the normal monthly payment due to the requirement to pay a month in arrears by most lenders

ADVANTAGES If the proceeds of the plans exceed the amount required to repay the mortgage, then this is received as a cash lump sum by the borrower