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This is usually linked to the amount of cashback provided

Base Rate Tracker Mortgages

The valuation does not represent a detailed inspection

Customers cashing-in an endowment policy in the first few years after inception can receive less than the amount invested

Subject to your circumstances, you may be able to borrow up to 125% of the property value

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

Lenders are constantly providing new ways for borrowers to save money if they switch their mortgage from their existing lender to a new one

insurance and finance

With discount mortgages borrowers need to watch out for ‘payment shock’

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

Lenders now offer insurance policies that pay mortgage bills for around a year if you lose your job

They are not secured against property or other assets

The lender may permit over-payments and lump sum payments, which allow you to clear the loan over a shorter term than that agreed at the outset

Without going into detail to explain this feature the up-shot is that over-paying the mortgage on a monthly or regular basis, even by a relatively small amount, will reduce your mortgage term by years (hence saving payments)

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

Taking a look at the overall market conditions is essential, but we also suggest that you take a look at the local conditions

When the benefits are eventually taken, the mortgage is repaid using tax-free cash from the remainder of the fund

Stamp Duty You are required to pay a Government tax (Stamp Duty) on a property priced above £60,000

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

The capped rate has a maximum rate above which your loan will not be charged, however should the lenders variable mortgage rate fall below the level of the cap then you will still benefit from this rate

Our Mortgage Calculator will allow you to see how much you can borrow and the cost of your monthly repayments

on a particular day a borrower has a mortgage balance of £50,000 and has £2,000 held in the current account

There will usually be a required period of payment before protection will become available and some people may be excluded from its cover

We are experts in finding mortgages and loans for people with a problem, or poor credit history

This form of insurance has become more important as the Department of Social Security has steadily withdrawn the benefits available

At the end of the term, therefore, you will need to repay the capital

When viewing a property ask the question and try to establish a rapport with the seller

FIXED CAPPED DISCOUNT VARIABLE Fixed Rate Mortgage

The seller is legally required to answer these enquiries honestly! But do they? We believe not always

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