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If you are refused a personal loan or wish to make enquiries concerning your own credit file, you can apply to the credit reference agencies for a copy of your credit file

The amount borrowed is repaid monthly over a term agreed at the outset, which will usually range between three years and twenty five years

The initial pay rate would therefore be 3

Moving House & Your Mortgage Completing all the formalities involved with moving house can be an arduous task and as such many people choose to stay with their existing lender rather than seeking out a new deal for their amended mortgage

On-line conveyancing On-line conveyancing is one of the latest improvements in the legal process of buying and selling

Providing a combination of the security of knowing the maximum monthly cost for a set period with the opportunity to take advantage of any downward movement in the mortgage rates, this is a popular choice for many borrowers

If it is clear at this point, then there should be no problems further down the road when it come to draft-contract preparation

Mortgage Intermediary A firm, organisation or individual, which helps you to choose a mortgage and introduces mortgage applications to lenders. Mortgage intermediaries are for example, mortgage brokers, estate agents, independent financial advisers, solicitors, accountants and life assurance companies. Their role is to search a range of lenders on your behalf for the best deal. Intermediaries usually receive a fee for arranging the mortgage

Most agents are pretty determined in their approach and will be interested in selling you more than a property

Disadvantages: It is highly debatable as to whether or not it is wise to use a proportion of your retirement savings to pay off your mortgage

Loans secured against property that is already mortgaged are known as second charges, whereas loans secured against a property owned outright with no existing mortgage in place are known as first charges

Note there is no guarantee that, when the endowment matures and ‘pays out’, the balance will be sufficient to repay the mortgage

There is no reason, as far as legal procedures are concerned, why this cannot be quicker

It simply informs the seller of your interest

In such cases the lender may decline the advance, restrict the amount they are prepared to lend or place conditions on the advance

When viewing a property ask the question and try to establish a rapport with the seller

Has it been recently decorated? Does it require any major work or modernisation? Ask what else is included in the sale

The area of self-certification mortgages is a relatively new one which is proving popular due to the changing working environment

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