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This acts as a ‘lock-in’ making an often heavy charge for borrowers paying off their mortgage early

The flexible mortgage concept was imported from Australia so occasionally you may hear them referred to as ‘Aussie style mortgages’

This tends to be around £200 - £250 and becomes payable as soon a the reservation is made

Further fees such as arrangement fees are also frequently experienced with this type of rate

These are more detailed than a lender valuation but they produced on behalf of the applicant

It is important to note that the valuation is carried out on behalf of the lender – not the mortgage applicants! Frequently lenders include an administration fee as part of the valuation fee collected to cover the costs of arranging the valuation

Contents Insurance Home contents insurance protects your possessions against loss, damage and theft

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 is the rate that they apply to all their borrowers before making adjustments for any special offers that may be available at the time and should be examined in every case before making the final decision regarding the choice of lender

This could end up saving you time and money

Has it been re-plumbed or rewired? If so, ask to see any certifications or guarantees Look for cracks, uneven floors or doorways and any signs of water damage

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

Home working equipment cover

will need to be addressed during this period of pre-contract enquires

This is a relatively recent introduction into the market and allows you to put all your money in one place, including your savings, current account, credit cards, loans, and earnings

An endowment policy is a commonly used investment product to repay the capital, although there are other alternatives

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

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

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

Making an offer is one of the more stressful parts of buying a home

If you are obtaining a mortgage then your solicitor will need to prepare a Standard Security, giving your mortgage provider certain rights over the property

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

Payment is either up front, or added to the overall loan

Find out what else is included in the sale

Compare life insurance quotes instantly through our independent systems

It provides no benefit to you, it is for the lenders protection only

Some sellers prefer to keep their property on the market until exchange of contracts so that if the transaction falls through, they have a back-up buyer

These are known as regulated loans

Mortgage Protects Schemes If you lose your sole source of income, the reality is that you will not be able to rely on the State to help with your loan repayments

Lenders have been known to charge a switching fee even if you refused to accept the lenders insurance cover at the time of taking out a mortgage