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FIXED CAPPED DISCOUNT VARIABLE Fixed Rate Mortgage

The skilled agent will ask a series of questions that determine how serious you are, what properties will be of interest, what else they can sell to you and how quickly they can do it

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

Neighbours - are you inheriting a problem? During the process of creating the draft contracts the seller completes a questionnaire from their solicitor

The freedom to make additional payments up to the annual limits

Variable Rate Mortgages

In such circumstances the borrower will be facing a significant increase in their monthly mortgage payment at the end of the discount benefit period

This rate is known as the Annual Percentage Rate (APR)

An estate agent has the duty by law to inform the seller of all offers made on their property, regardless of an offer having already been accepted

Generally, secured loans are much easier to obtain than unsecured loans

It is important to note that you will still need to fund the shortfall in the advance at completion, albeit on a shorter term basis

Suitability: A fixed rate mortgage is the most suitable option in a number of circumstances the most common being those identified below: Larger borrowings

It is the role of the solicitor or licensed conveyancer to note ownership of the property on the title deeds; note the lenders interest in the property; register with the Land Registry and conduct searches to identify if there may be factors which could affect the property e

Whereas in Scotland, the survey is completed before making a formal offer

will need to be addressed during this period of pre-contract enquires

Most recent P60 Whilst the banks and building societies will all have different specific requirements these are usually required in all circumstances

Disadvantages: In the first few years of the loan the largest proportion of your regular monthly payment goes to pay off interest – the balance outstanding is hardly reduced at all