discounted rate, home mortgage

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Frequently they can be added to the mortgage hence the fee does not become an ‘out of pocket’ expense

The maximum limit is £1,000 (£3,000 in the current tax year) for stocks and shares and cash, with the insurance element being £1,000 immediately

The above mortgage products may have other criteria which will require evaluation before deciding if the product is suitable for an individual

Redemption penalties can prevent restructuring of your mortgage and associated finances

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

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

However, most vendors are reluctant to take the hit on the full amount

Only one Maxi individual savings account may be held in any one tax year

All lenders base their mortgage range around their variable rate of interest

3% of the loan

Taking a look at the overall market conditions is essential, but we also suggest that you take a look at the local conditions

A Guide to Secured Home-Owner Loans A secured loan is any loan that requires the borrower to provide the lender with some form of security

The Lender offers a discount on the Standard Variable Rate (SVR) for a specific period of time

ADVANTAGES If the proceeds of the plans exceed the amount required to repay the mortgage, then this is received as a cash lump sum by the borrower

Borrowers confident that the mortgage rate is likely to fall

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

You never know, it could be a deciding factor involved in your decision to purchase or not

A flexible mortgage linked to a current account

Choosing a surveyor Reputable surveyors will confirm an instruction in writing with details of costs, qualifications and the nature of the instruction

If you are unsure, talk to local estate agents and solicitors

The way lenders quote interest rates varies

First time buyers looking for security during the first few years of setting up home

If you do have difficulty making your repayments you should seek advice from your lender immediately

They will also find that the mortgages they can get will be at a higher interest rate

Each year the original capital sum will remain outstanding

Suitability: The interest only mortgage option is suitable in a number of circumstances the most common being those identified below: You do not mind taking some degree of financial risk

Ask how long has the property been on the market and if there has been a price reduction

Ensure that you know how the settlement figure is made up

Negotiation with a lender is possible