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This product, which tends to be used by the self employed, is only for those taking advice from a suitably qualified financial adviser

The period an Early Redemption Charge applies can vary

Cashback Mortgages

DISADVANTAGES If the proceeds of the repayment vehicle do not achieve the amount expected, then there will be a shortfall

Watch out – the ERC can sometimes last longer than the fixed rate period e

The interest rate can fluctuate and is not fixed at the initial rate of interest

linked with a discount, but pure cashback products are not uncommon

These bonuses termed either annual or reversionary cannot be taken away

Default Failure of an individual to make payments on a mortgage at the correct time or to not comply with the mortgage companies requirements

1 week to go Pay all local milk/paper bills. Cancel any services, e.g. window cleaner, milkman, newspaper delivery. Return videos/library books/pick up dry-cleaning. Drain petrol/oil from any garden equipment. Prepare directions for removals company. Confirm final details with them and include contact/mobile numbers for you throughout the day. Make sure all the utilities at your new home will be fully functional for when you move in.

All lenders will insist on Buildings Insurance as the very minimum

Capped mortgages enable you to place a limit on your monthly mortgage commitment, plus they benefit from falls in interest rates

This method is designed to give you the opportunity to generate a cash sum sufficient to repay the outstanding mortgage capital at the end of the agreed term

A buildings policy covers against storm damage, fire, flooding etc and relates to the fabric of the house or flat etc

Most recent mortgage statement or a redemption statement from your lender

They are also useful for larger amounts or where the applicant requires a longer repayment period

The period of borrowing is for a short period (say less than 12 years) You are nearing retirement and want the security of guaranteeing the repayment of your mortgage

Interest Only Mortgage Advice

If added to the loan then interest is charged over the duration of the loan

The valuation cost is likely to be at least £150 and becomes payable as soon as you wish to proceed with buying a property

For peace of mind it may be appropriate to obtain a ‘Housebuyers Report’ or a ‘Full Structural Survey’

If a person has a County Court Judgement against them it will have to be satisfied before they can get a mortgage

For example, setting the price range on your next home

The costs will be greater for house purchase than for remortgage

Contents insurance can provide cover for all your household contents - furniture, carpets, curtain, pictures TV, hi-fi, personal possessions etc

Cashback mortgage A Cashback mortgage provides you with an amount of cash upon commencement of the mortgage

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If the variable rate rose to say, 6%, then the rate payable would rise to 4

The financial aspects of the purchase are often the most complex and it is therefore imperative that you receive specialist advice on the many diverse options available to you

A good starting point is to offer around 5% to 10% less than the asking price, although this greatly depends on market conditions

Contrary to popular believe, lenders can be flexible

There is no guarantee with this type of mortgage