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There are strict limits on the amount that can be taken as a tax-free lump sum, which can lead to a shortfall in certain circumstances

TIP: Buyers should make note that they are responsible for the insurance of the property on exchange of contracts, not when you move in

APR may vary

Surveys come in three forms: Valuations, usually undertaken by the lender

Stamp Duty You are required to pay a Government tax (Stamp Duty) on a property priced above £60,000

External Observations Ask to see the garden and the garage

There are limits applied to all contributions

We also hold the details of loans designed specifically for applicants with a poor credit history, and we provide the facility to apply online for these through moneysupermarket

It is still possible to have up-front charges for discounted products and an Early Redemption Charge is common

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.

Most agents are pretty determined in their approach and will be interested in selling you more than a property

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 important to bear in mind that many lenders charge a small premium on self-certificated business to reflect the extra risk involved

Sometimes it will match the period of the discount/fix but often it can go beyond the benefit period e

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

you as a loyal customer with a new loan

Capped mortgages enable you to place a limit on your monthly mortgage commitment, plus they benefit from falls in interest rates

For more information see: Searches - what they should highlight Land registration The Land Registration fee will cost from £40 to £800

Default Failure of an individual to make payments on a mortgage at the correct time or to not comply with the mortgage companies requirements

In many cases, lenders offer different rates depending on the method by which you apply

For more information please see:: Dealing with adverse valuations Recently built homes Most new houses have a National House Building Council (NHBC) Certificate

ADVANTAGES At the end of the term, you are safe in the knowledge that the total amount of the debt has been repaid

This method is designed to give you the opportunity to generate a cash sum sufficient to repay the outstanding mortgage capital at the end of the agreed term

Current Account Mortgage