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The earlier you contact them, the more sympathetic they are likely to be

A fixed rate mortgage is suitable if your mortgage repayments take up a large proportion of your income as it protects you from any sudden and unexpected rises in interest rates

Disadvantages: Associated redemption penalties are restrictive

The amounts can range from a flat fee e

5 to 3 times joint income

This is a comprehensive report that provides information on construction and materials used as well as major and minor defects

A valuation of the property is supplied based on the approximate market value of the property

This will contain a number of conditions and other requirements that your solicitor will discuss with you

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

At Just we can complete a full analysis of the market using the most up to date information available

The money may only be drawn from a pension policy when the policyholder reaches retirement age

Suitability: An ISA linked mortgage is the most suitable option in a number of circumstances the most common being those identified below: This option is suitable for individuals willing to take some degree of financial risk

Ask why the current owners are selling the property

If so, be bold and ask to see them

Mortgage Endowment Policies

However it is possible to speed up the process by arranging a personal search

Homeowners with older mortgages only have to wait eight weeks to get half of their interest paid, and after 16 weeks they get it all paid

Compare life insurance quotes instantly through our independent systems

Most lenders and insurance companies offer a combined Buildings and Contents Policy

Please remember, a major consideration in any viewing or visits should be your safety- Always help ensure your own safety by taking a friend or partner

This is not an obligation to purchase the property

The differential between base and pay rates remains constant for an agreed period and is normally far smaller than the margin on an ordinary variable rate

Flexible Mortgages

These tax-free accounts were split into two main alternatives, the Mini individual savings account and the Maxi individual savings account, both of which can be utilised to repay an interest only mortgage

Personal loans are repayable monthly

This is more likely to occur within the first 3-5 years of the mortgage term and with discounted, deferred or fixed mortgages

Whilst practically the entire range of mortgage schemes are available to you with the exception of rates designed specifically for first time buyers, moving house may provide an excellent opportunity to consider what your future plans may be

Amendments to the 1988 Housing Act has reduced the fear of landlords that tenants, once admitted to the property, will prove all but impossible to evict

Title Deeds Title Deeds consist of a pack of legal documents, which a lender holds for the duration of the mortgage as security against the loan. The documents include who owns the legal title to the property and land, the results of solicitors’ searches and a map of the property with the legal boundaries defined.

Tracker Mortgage A Tracker Mortgage is linked to a benchmark interest rate, such as the Bank of England base rate. This is usually only for a set period of time. The rate you pay moves up and down in line with the benchmark selected. At the end of the set period, the Standard Variable Rate normally applies

Be aware that valuations are just that - they are not a full structural survey

ADVANTAGES If the proceeds of the plans exceed the amount required to repay the mortgage, then this is received as a cash lump sum by the borrower

The costs will be greater for house purchase than for remortgage

Flexible mortgage rates overcome this problem by allowing the borrower to make both over and underpayments into the account

Including gas and electric suppliers and insurance companies etc