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Portable Mortgages Some mortgage products are portable (subject to the lender’s policy), which means if you move home you may be able to transfer your existing mortgage onto the new mortgage for your new home if you stay with the same lender.

6 months interest or repayment of the amount of benefit received, be it cashback or reduced interest

These are normally paid by bank or building society draft to ensure that they will be cleared in plenty of time for the date of entry

Be prepared

If you had planned on having any new furniture or appliances, order them now and if possible withhold delivery until you know exactly when you are moving in.

If so, your solicitor may be able to purchase these from the buyers solicitor which will save you waiting for the searches to be carried out by the local authority and possibly save money in the process

If using a removal firm we suggest obtaining several quotes first

They are also useful for larger amounts or where the applicant requires a longer repayment period

However in the greater scheme of things it may prove worth paying as a more competitive insurance may be had elsewhere

It is important to note that the valuation is carried out on behalf of the lender – not the mortgage applicants! Frequently lenders include an administration fee as part of the valuation fee collected to cover the costs of arranging the valuation

At this point a survey will need to be arranged so that a firm and informed offer may be made

Basically it is any item that is not firmly attached to the house that is counted as a moveable

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

b) If you are able to afford the remedial work over a staged period after completion, then consult the lender or broker to discuss staged release payments

All lenders will insist on buildings insurance as the very minimum

The deposit is handed over to the sellers conveyancers and then a final completion statement is made by both parties conveyancers

Possibly tied in to variable rate with same lender for various periods following the fixed rate term end

If added to the loan then interest is charged over the duration of the loan

For a mortgage secured on a property, insurance may be required

If it is clear at this point, then there should be no problems further down the road when it come to draft-contract preparation

You believe that the investment market over the period of your mortgage is likely to generate a cash surplus over and above that required to repay the mortgage

There are several factors that we will look at in detail and discuss with you the main items being: What limitations apply to the end of any product we are considering? Is there a lock in and if so for how long? What is the lenders variable rate – how does this compare? Is there any mortgage indemnity to pay? (Mortgage Indemnity is a premium paid to a lender in order to purchase an insurance policy against future loss

Contents insurance can provide cover for all your household contents - furniture, carpets, curtain, pictures TV, hi-fi, personal possessions etc

A flexible mortgage linked to a current account

Remember, it is your responsibility to get the correct sum insured

The area of self-certification mortgages is a relatively new one which is proving popular due to the changing working environment

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

It simply informs the seller of your interest

Suitability: A capped rate mortgage is the most suitable option in a number of circumstances the most common being those identified below: Individuals wanting more flexibility in terms of rate decreases than fixed rates but still wishing to limit the amount of their maximum monthly payments

As a consequence lenders frequently ‘lock-in’ borrowers by applying Early Redemption Charges for those paying off the mortgage early

This is a relatively recent introduction into the market and allows you to put all your money in one place, including your savings, current account, credit cards, loans, and earnings