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Ensure that you know how the settlement figure is made up

Possibility of losing out should interest rates fall below your agreed rate

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

A seller may ask you to negotiate specific issues or accept your offer in full; In which case by Scottish Law you are fully committed to the purchase

As a tip, note that in the UK you can only drive up to a 3 tonne vehicle before you need an HGV license

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

The lender can give you a settlement figure, normally over the phone

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.

Normally a lender will require a non-refundable booking fee in advance to reserve this option

There has been a previous price reduction on the property

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

However, it is often overlooked that you may approach the seller or agent to negotiate a shorter period

A separate life policy will be required in most cases

Note, the fee is usually non-refundable

The cost is usually dependent upon the type and size of property, but expect to pay between £300 - £800

linked with a discount, but pure cashback products are not uncommon

The lender will offer a range of insurance, the problem being that you may be forced by lender to buy uncompetitive insurance to help recover the costs of a heavily discounted mortgage

APR - Annual Percentage Rate An indicator which is used to compare rates of interest. It takes into account the costs involved in setting up the mortgage, any discount periods, how often interest is calculated and calculates what the average rate of interest will be over the term of the loan. All lenders that comply with the consumer credit act must ensure that the borrower is notified about the APR

The redemption fee payable is often up to six times you currently monthly repayments