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This method is designed to give you the opportunity to generate a cash sum sufficient to repay the outstanding mortgage capital at the end of the agreed term

Pay particular attention to buildings insurance

If the property was purchased outright, the buyer keeps the deeds

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

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

Compare mortgage rates to find your ideal mortgage, or see how much you could save by changing lenders and re-mortgaging

Free Legals or a Contribution Towards Conveyancing Costs More common on products aimed at the remortgage market but a frequent product ‘enhancement’

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

(Gazumping)

If a person has a County Court Judgement against them it will have to be satisfied before they can get a mortgage

Lenders have an array of different criterion on which they will base the maximum LTV and at Just we will be able to provide you with advice regarding different lenders attitudes in this area

Irrespective of movements in the interest rate your monthly payments will not change

It is important to bear in mind that many lenders charge a small premium on self-certificated business to reflect the extra risk involved

In summary you will find numerous different methods of calculating the maximum LTV but the figure once stated is usually non-negotiable

Location, location, location What local amenities are there? What are the local schools like? - A good school catchment area may effect property value

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

5% on a normal lending limit of 75% loan to value

The Lender offers a discount on the Standard Variable Rate (SVR) for a specific period of time

The survey does not necessarily supply a property valuation, but it should highlight any defects that could end up costing a fortune to make good

Many flexible mortgages come without any Early Redemption Charge so the borrower is not ‘locked-in’ to any particular lender

No buyer should rely solely on the information provided by a mortgage valuation especially when purchasing a large or old property