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This means that all bank rates cuts are automatically passed on to the borrower

Another form of insurance common in the mortgage industry is a Mortgage Payment Protection Plan

If you have a flexible mortgage, you may be able to vary the amount of the monthly repayment and you may be able to pay in or draw out lump sums

Contents Insurance Home contents insurance protects your possessions against loss, damage and theft

Written quotations are available on request

The amount you repay the lender each month can be at a fixed interest rate for a certain period of time, regardless of the interest rate in the market place

Just Financial Advice UK Ltd is an independent mortgage advisor and will be able to help discuss the options with you, answer any questions you might have and agree a course of appropriate action

Disadvantages: As mentioned above, any change in bank rates will be directly reflected in the monthly mortgage repayment so this type of mortgage provides no protection against any upward movement in interest rates (in contrast to fixed rate mortgages for example)

Offers are invited above the stated price

If you, your solicitor and your lender are happy with the survey then your solicitor can make a formal offer

Suitability: The interest only mortgage option is suitable in a number of circumstances the most common being those identified below: You do not mind taking some degree of financial risk

5%

The main benefit of flexible mortgages is that many schemes are offered on a Daily or Monthly Interest Calculation basis (sometimes referred to as ‘daily rest’ or ‘monthly rest’)

damp and timber reports, planning consents for alterations and extensions

What other costs are involved in any remortgage scheme? What solicitors fees are incurred, valuation costs and set up fees? Once all this information is available you will be in a position to make an informed decision on how you might wish to proceed

A good site will ask if you want to receive them or not

Ask about the reason for the sale

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

If the rate offered is a variable rate, it may rise or fall in line with any base rate changes during the term

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