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You can also seek advice from a voluntary organisation such as The Citizens Advice Bureau

Booking Fee and Arrangement Fee Both are up-front fees charges levied at the outset of the mortgage

g Loans for holidays may be restricted to a 12 or 24 month term)

There is no guarantee with this type of mortgage

The Early Redemption Charge can represent a significant sum although the amount will differ between lenders and between products

If you are refused a personal loan or wish to make enquiries concerning your own credit file, you can apply to the credit reference agencies for a copy of your credit file

They are usually covered by professional indemnity insurance, which means costs can generally be recouped if things go wrong

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

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

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

This service is subject to a small fee, and is available by contacting: Experian Ltd Online: wwwukexperiancom/consumer Telephone: 0870 241 6212 Post: Consumer Service Help Centre Experian Ltd PO BOX 8000 Nottingham NG1 5GX Equifax PLC Online: wwwequifaxcouk Telephone: 0870 010 0583 Post: Credit File Advice Centre PO BOX 3001 Glasgow G81 2DT If you are experiencing problems with your credit you may wish to contact the following companies for some help and advice

Most insurance companies will have extended buildings cover options which are well worth considering

This will depend on future investment performance

Advantages: Generally, the rate charged will be lower than the variable rate applicable under a standard mortgage

Valuations and mortgage reports Note, a valuation is not a survey

TIP: Buyers should make note that they are responsible for the insurance of the property on exchange of contracts, not when you move in

Switching between provider can only be completed on an annual basis and penalties may be incurred

If remedial work is required ask the owner if they have had any quotes

Frequently individuals will move from job to job requiring alterations to be made to their retirement planning which may adversely affect their mortgage planning

A Guide to Secured Home-Owner Loans A secured loan is any loan that requires the borrower to provide the lender with some form of security

The first of these relates to the current market value of the property to which the mortgage relates

OTHER TERMINOLOGY Adverse Credit If a borrower has a history of poor credit usage then this is described as Adverse Credit