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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

An endowment policy is a commonly used investment product to repay the capital, although there are other alternatives

If you completed our application form, it will be passed to your chosen provider in order that they may process it

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

Lenders may offer payment breaks or repayment holidays as part of their personal loan package and these allow you to take a break from your repayments at the beginning of the loan or at any agreed point during the term

FIXED CAPPED DISCOUNT VARIABLE Fixed Rate Mortgage

Each month therefore you make two separate payments, one to the lender and one to the investment you have selected to repay the loan

This will depend on future investment performance

Interest only

It is best to find out the sellers position during the viewing, having plied as much information from the agent beforehand

Once your application has been submitted to us, either the service provider will send you an e-mail acknowledging your application

Disadvantages: Holders of a Mini individual savings accounts cannot take out a Maxi, and vice versa

Flexible mortgage A flexible mortgage may enable the borrower to pay off all or part of their mortgage without paying a penalty

They provide a detailed analysis of your financial position

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

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

Mortgage Endowment Policies