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Mini individual savings accounts are also divided into the same three areas although only one of the investment areas may be held in each policy

Until the seller receives these funds, the buyer may not normally have access to the property

Moving House & Your Mortgage Completing all the formalities involved with moving house can be an arduous task and as such many people choose to stay with their existing lender rather than seeking out a new deal for their amended mortgage

The law on moveables is quite complex

Especially if you are intending to take out a new loan or transfer your existing loan to another lender because they offer better rates or terms

Offers are invited above the stated price

Although directly related to interest rates it can be slightly more expensive than the interest only options, even allowing for the investment vehicle payments

Mortgage lenders require that neither the buyer nor the seller have a bankruptcy notice registered against them

Endowments provide life assurance so that in the event of death the mortgage is paid off

This means that all bank rates cuts are automatically passed on to the borrower

When registration is complete, the title deed to your lender for safekeeping

You do not mind taking some degree of financial risk

Compulsory purchase orders

What limitations apply to your current mortgage rate

This may be an expensive choice, as in the vast majority of cases Just are able to significantly reduce your mortgage rate, although it is of course imperative to consider the potential cost of any redemption penalties on your existing mortgage

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

Not only will an estate agent take you more seriously, but the seller will feel more comfortable and have more confidence that you are not time wasting

Bankrupt A Corporation, Firm or individual who, via a court proceeding, is relieved from paying all debts once assets have been surrendered to an appointed third party designated by the court

Using an ISA as a repayment vehicle is growing in popularity but due to the ISAs complexity it is only for the financially sophisticated or borrowers taking advice from a suitably qualified financial adviser

Stamp Duty becomes payable at the time of completion/taking entry and is normally made via a solicitor

Your local agent can give you a good idea here

Local authority searches Personal Searches Dependent on the local authority, searches can take up to six weeks

The borrower remains liable for any shortfall on the mortgage hence the outstanding balance will need to be paid off from other resources

There is potential for higher returns than endowments

A single payment is made to your lender each month covering both the interest charged on the loan as well as the repayment of the outstanding capital

It provides no benefit to you, it is for the lenders protection only

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

We are experts in finding mortgages and loans for people with a problem, or poor credit history