commercial loan, home mortgage

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Disadvantages: There are currently a relatively small number of lenders offering this type of mortgage at present

Suitability: A capped rate mortgage is the most suitable option in a number of circumstances the most common being those identified below: Individuals wanting more flexibility in terms of rate decreases than fixed rates but still wishing to limit the amount of their maximum monthly payments

The way lenders quote interest rates varies

Buyers should also be aware that they are responsible for the insurance of the property after the exchange of contracts

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

Please remember, a major consideration in any viewing or visits should be your safety- Always help ensure your own safety by taking a friend or partner

Listed below are examples of some of the best deals around

Other advantages of flexible mortgages are that payment holidays can be taken during the year and extra funds are normally available via a drawdown facility

At Just we can complete a full analysis of the market using the most up to date information available

Set your price range and when you would ideally wish to move

This possibility alone was enough to dissuade many people from becoming private landlords in the past

In the early years of a repayment mortgage the majority of the monthly repayment is interest rather than capital

This is not the same as the main deposit and is returnable if you pull out before exchange of contracts

Land Registry Fees Land Registry Fees are based on the purchase price of the property. The fee is effectively an administration charge for registering your ownership of the property and or land.

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

A system of feudal tenure exists in Scotland, under which the seller has the power to impose permanent restrictions on the future use and development of the property and land