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Your lender agrees a set rate of interest for a specified period of time

Most mortgage schemes, in return for offering you a lower initial rate, will require you to stay with that scheme at least for the period of the Discount, Fix or Cap, and often longer

If for any reason your application is declined, may be able to direct your application to a provider who can help

A Self-Certification mortgage allows you to state your income without providing the usual documentary evidence providing that your mortgage falls within certain stated criteria

Providing a combination of the security of knowing the maximum monthly cost for a set period with the opportunity to take advantage of any downward movement in the mortgage rates, this is a popular choice for many borrowers

It is worth noting that the shorter you make the administrative process, the more organised you will need to be

If a redemption fee does apply, all is not lost

If you are not happy with the answer, investigate further or walk away

Contrary to popular believe, lenders can be flexible

Poor Credit & Loan Advice

The differential between base and pay rates remains constant for an agreed period and is normally far smaller than the margin on an ordinary variable rate

You can also obtain wider protection to include damage or theft of shrubs, trees, flower beds, garden ornaments, gates and fences

This final bonus is not guaranteed in any way

The valuation cost is likely to be at least £150 and becomes payable as soon as you wish to proceed with buying a property

The amount is usually measured in either pounds or months

If you do have difficulty making your repayments you should seek advice from your lender immediately

Repayment mortgage With a repayment mortgage you repay, normally on a monthly basis over an agreed term, the money you have borrowed (known as capital) plus the interest charged by the lender

The seller may or may not be entertaining any new viewings, but if you have viewed the property and decided to make an offer (albeit late in the day) at least the seller will be aware of it

Arrears This describes the amount the borrower is behind in his mortgage repayments schedule

As a general guide, it is advisable to compare the APRs of different products as this will help you to determine how competitive they are

RICS The Royal Institution of Chartered Surveyors (RICS) is an independent, not-for-profit organisation, which is required to act in the public interest. Originally formed in 1868, RICS is a professional body that represents, regulates and promotes chartered surveyors and technical surveyors. RICS has over 110,000 members in 120 countries and is the leading professional body addressing all aspects of property, land, construction and their associated environmental issues. more info: http://www.rics.org.uk

Bankrupt A Corporation, Firm or individual who, via a court proceeding, is relieved from paying all debts once assets have been surrendered to an appointed third party designated by the court

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

Having difficulties obtaining a mortgage, because of CCJs, defaults, or arrears? We are experts in finding mortgages and loans for people with poor credit

Generally anything between 1 and 25 year fixed rates are available

Borrowers confident that the mortgage rate is likely to fall

By stating this you are not obligated to proceed until the conclusion of the survey and the exchange of signed contracts

Having a mortgage in principle means you should be able get the actual mortgage quicker when the race to buy your chosen home begins

The opportunity to access the investment proportion of your mortgage in the event of financial difficulties

When registration is complete, the title deed to your lender for safekeeping