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So we know our specialist advisers can provide you with the mortgage that best suits your needs

damp and timber reports, planning consents for alterations and extensions

This form of insurance is not compulsory

Variable Rate Mortgages

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

Under the terms of The Mortgage Code of Practice the lender will, before a mortgage applicant takes a mortgage, provide a tariff covering the repayment of the mortgage, including charges and additional interest costs payable in the vent of arrears and will advise of any other charges for services before or when the service is provided

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

It may also indicate how genuine the sellers are

The cost of this is therefore to be taken into account when selecting a lender

The freedom to make additional payments up to the annual limits

This may be due to a number of factors, but mainly occurs due to the condition of the property

Borrowers paying the Standard Variable Rate will have their payments increase or decrease as the lender adjusts the rate in accordance with market conditions

Note that even after repossession the former borrower will remain liable for any sums owing (shortfall between selling price and mortgage outstanding plus arrears, lenders legal costs and any other charges applied to the mortgage) and can be pursued by the insurance company for payment at a subsequent date

Advantages: The only option with a 100% guarantee that the loan will be repaid in full at the end of the term

The seller needs to move fast