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This may mean that you require a scheme which permits lumps sum payments to reduce the mortgage or may be seeking to combine both your current account and mortgage borrowings in the same financial product

If applicable, a redemption fee will come into effect when you repay/terminate the mortgage within the redemption term, as set out in your mortgage advance

The level of taxation rises according to the property/land price

These may include 100% mortgages or a range of fixed or capped rate mortgages (see Mortgage Guide) unavailable to non-first time buyers

Although directly related to interest rates it can be slightly more expensive than the interest only options, even allowing for the investment vehicle payments

This may be an expensive choice, as in the vast majority of cases Just are able to significantly reduce your mortgage rate, although it is of course imperative to consider the potential cost of any redemption penalties on your existing mortgage

However, if the variable rate drops below your capped rate, you will benefit as your repayments will be calculated using the lower variable rate

It is important to note that you will still need to fund the shortfall in the advance at completion, albeit on a shorter term basis

Absolute title Having absolute title on a property means that you have full rights and ownership relating to the property

Agricultural Covenant A planning covenant that allows the construction of a residential dwelling provided it is to be occupied by a person employed or associated with working on the land. Properties such as this tend to attract a lower value, as they can only be sold to another person in similar circumstance unless the covenant is lifted. Annual bonus A bonus paid annually on an endowment mortgage which is dependent on the performance of the investment fund you are using to repay your mortgage.

5% on a normal lending limit of 75% loan to value

Try not to widen your search in too much

If significant defects are identified, the surveyor may suggest further investigation by an specialist

Arriving at the property Before knocking, take a few moments to observe your first impressions

First Time Home Buyers Buying your first home can be a daunting proposition

If you want to continue, find out if the previous buyer had completed the searches or any survey

Gazundering Gazundering is when the buyer refuses to go ahead with the sale unless the price is reduced. There is nothing the seller can do about this apart from negotiate on the price or lose the sale - and possibly the house they are in the process of purchasing. In such situations any estate agent worth their salt will do their best to negotiate on your behalf, or failing that, will attempt to find you a suitable new buyer with all possible haste. Fortunately, it is rare to come across gazundering but in a slow housing market it is more likely to occur as prices may be falling.

This final bonus is not guaranteed in any way

It is important to bear in mind that many lenders charge a small premium on self-certificated business to reflect the extra risk involved

Receives mortgage offer and deals with all the conditions on your behalf

a) Inform the vendor/agent about the dilemma to see if an agreement can be made regarding a reduction in the sale price

ADVANTAGES At the end of the term, you are safe in the knowledge that the total amount of the debt has been repaid

If so, be bold and ask to see them

STEP 2 - HOW DO I APPLY? Lending institutions offer you the option of applying for your personal loan either in person at a branch, via a written application, over the telephone or online

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

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

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

Capped mortgage Capped mortgages have a limit to any increases in the variable rate, for a selected period of time

arrears, late payment, removing the lenders name from the Title Deeds at the end of the mortgage

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

Advantages: Knowing the maximum monthly cost of your loan for a set period, allowing security within your budgeting

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

Ensure that you know how the settlement figure is made up

If you are considering protecting your repayments in the event of accident, sickness, unemployment or death, why not browse our Income Protection finder