Better mortgage and loan deals in the uk

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The maximum limit is £1,000 (£3,000 in the current tax year) for stocks and shares and cash, with the insurance element being £1,000 immediately

Suitability: A fixed rate mortgage is the most suitable option in a number of circumstances the most common being those identified below: Larger borrowings

There is potential for higher returns than endowments

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

Detailed below is a quick checklist of information we would suggest you have at your fingertips when considering moving your mortgage: What is your current interest rate? The amount of your monthly payments

Other Charges There are a whole series of other fees that some lenders apply in certain circumstances e

Normally a lender will require a non-refundable booking fee in advance to reserve this option

damp and timber reports, planning consents for alterations and extensions

The initial pay rate would therefore be 3

An estate agent has the duty by law to inform the seller of all offers made on their property, regardless of an offer having already been accepted

Commonly a lender will require a non-refundable up front booking fee to be paid on application to reserve the mortgage

Advantages: With the built in life assurance and in most cases critical illness insurance the overall cost is usually lower

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

conducts a local authority search to highlight planning, financial and other charges affecting the property

Again, as with fixed rates, up-front charges and ‘lock-ins’ are common

Financial charges relating to work undertaken by the local authority, such as road works or repairs to dangerous buildings

Your local agent can give you a good idea here

The freedom to make additional payments up to the annual limits

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