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FLEXIBLE / LIFESTYLE MORTGAGES CURRENT ACCOUNT MORTGAGE (CAM) CASHBACK FREE LEGALS OR CONTRIBUTION TOWARDS CONVEYANCING COSTS FREE VALUATION OR REFUND OF VALUATION FEE OTHER BENEFITS Flexible / Lifestyle Mortgages A Flexible or ‘lifestyle’ mortgage is designed to let you to make extra repayments when you have extra money, and to reduce or even skip payments when necessary

If so, be bold and ask to see them

During the early years you will find the charges in certain policies will eat into the premiums and reduce the amount you are accumulating towards the repayment of your mortgage

It may be that there is more or less demand on a certain type of property or particular estates/areas

Disadvantages: Generally rates for capped mortgages will be slightly higher than those of the fixed rate mortgages available, although this is largely led by market forces and has not been the case in recent years

This is a relatively recent introduction into the market and allows you to put all your money in one place, including your savings, current account, credit cards, loans, and earnings

To take advantage of the offer the mortgage applicant will normally need to use a firm of solicitors or licenced conveyancers nominated by the lender

Providing the product has a red apply icon, you can submit your application without leaving our site

you as a loyal customer with a new loan

It is likely that the first payment will be double the normal monthly payment due to the requirement to pay a month in arrears by most lenders

Obtains the title deeds, which are normally held by the building society and asks you to fill in a detailed questionnaire

Advantages: Cash payment may be useful to those utilising their savings as a deposit, to enable them to afford fixtures and fittings for the property

The repayment term available may depend on the purpose for which you require the loan, and may be restricted accordingly (e

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

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

The money is then paid back to the Lender over a fixed period of time together with accrued interest

Disadvantages: The final value of the policy may not be entirely sufficient to repay your mortgage or the monthly premium may have to be increased later on in the term of the mortgage to compensate for poor returns

Fortunately there are a number of mortgage deals promoted by lenders aimed specifically at first time buyers

External Observations Ask to see the garden and the garage