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Free Legals or a Contribution Towards Conveyancing Costs More common on products aimed at the remortgage market but a frequent product ‘enhancement’

In many cases if approached sensibly, a happy medium can be reached

The current options available to you in conjunction with interest only mortgages include endowment, pension or an Individual Savings Account (ISA) Advantages: There are a variety of investment vehicles available to use to repay interest only mortgages, some offering tax advantages

Alternatively, you may be seeking the security of a guaranteed mortgage rate which will provide peace of mind by ensuring that your monthly mortgage payments do not fluctuate

The offer includes the purchase price, date of entry, alterations and specialist works together with any inclusions such as carpets and curtains etc

(See Offers & Missives), so if you ANY doubts ask your solicitor for advice

Your local agent can give you a good idea here

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

There are strict limits on the amount that can be taken as a tax-free lump sum, which can lead to a shortfall in certain circumstances

Save £s on your buildings and home contents insurance

The survey does not necessarily supply a property valuation, but it should highlight any defects that could end up costing a fortune to make good

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

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

Possible diversion or closure of roads or footpaths

Lenders offer insurance policies or payment protection schemes to protect you in the event of accident, illness, unemployment and death (subject to conditions), for which the charge is added to your monthly repayment

It can be done, but much depends on the lender

This can be of great advantage in determining outline information before you go to the time and expense of having a survey and local searches made

INTEREST RATES ON MORTGAGES When you have chosen the right mortgage for you, whether it be a repayment or an interest only mortgage, you will need to consider the 4 main mortgage rate options available