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

Ensure that your solicitor is aware of the survey and any other information you have learned about the property

Many lenders now offer specialist buy to let mortgages that allow private landlords to fix their interest payments for five years or more, providing you with some security over mortgage funding costs

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

Survey costs The cost will vary according to how thorough a survey you require (from £300 - £800 on average)

Requests your deposit

As a result a lender may restrict the amount they are prepared to advance or place conditions on the advance

it may not appear on the mortgage Offer as Mortgage Indemnity Charge or High Percentage Lending Fee

Possibly tied in to variable rate with same lender for various periods following the fixed rate term end

Unfortunately not all estate agents are ethical in this area

We recommend taking a look at homecheck

2% fees-free offset mortgage

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

Individuals utilising short-term finance arrangements to provide their deposit

There are more properties on the market than there are buyers

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

Capped Mortgage Capped Mortgages guarantee that the interest rate charged will not rise above a certain level for a set period of time. However, if the Standard Variable Rate goes below the capped rate, the Standard Variable Rate will apply. Once the set period of the capped rate has ended, the Standard Variable Rate of interest will be charged.

This is also particularly relevant in the case of sealed bids