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When the benefits are eventually taken, the mortgage is repaid using tax-free cash from the remainder of the fund

The amount available usually ranges from £500 to £25,000 over a term of 6 months to 10 years

When viewing a property ask the question and try to establish a rapport with the seller

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOANS SECURED ON IT

The plan provider will then add bonuses to the individual plans at the year-end depending on the performance of the investments within the fund

29% 2 year fixed fee free, no extended ties

Look out for fixed features in the garden such as greenhouse, garden sheds, birdbaths, statues etc

If so, be bold and ask to see them

coal mining search to check for subsidence; check to see if there are some planned major road developments going through the back garden etc

Receives search results and deals with any problems revealed

Detailed below is a quick checklist of information we would suggest you have at your fingertips when considering moving your mortgage: What is your current interest rate? The amount of your monthly payments

Sealing Fee This is a fee charged by all lenders for discharging a mortgage when it is repaid in full Searches A buyer’s solicitor normally carries out searches. The solicitor will carry out local searches on your behalf to make sure that the property you are planning to buy does not have, for example, a road planned at the bottom of your garden or any compulsory purchase orders attached to it. This is usually done by a search of the local land register. Your solicitor sends a standard form to the local authority that will enter details of any local land charges adjacent to the property you are buying. The speed with which the results are returned varies considerably from borough to borough. You can speed up the process by arranging a personal search. You pay a fee, whereby a search agent, appointed by your solicitor, calls at the offices of the local authority and the search is conducted there and then. This is not an official search, so will not protect you to the same degree, but if speed is of the essence, it can save weeks.

This tends to be around £200 - £250 and becomes payable as soon a the reservation is made

If you are considering protecting your repayments in the event of accident, sickness, unemployment or death, why not browse our Income Protection finder

There is a wide range of contents insurance options and packages on the market

We have a Support Team who can be contacted by telephone should you require any further assistance along the way

It may be possible to renegotiate the price of the property taking into account to costs of any work required

Let your lender know your intentions and ask under what circumstances may they be prepared to waver the redemption fee

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

The key thing is to talk with your lender

This is referred to as a ‘redemption overhang’

Possibly tied in to variable rate with same lender for various periods following the fixed rate term end

The Early Redemption Charge can represent a significant sum although the amount will differ between lenders and between products

Personal Possessions (including cash) on an all risk basis, in and outside the home

Payment is either up front, or added to the overall loan

Whereas, on a mortgage where the interest is being calculated on a daily basis, any over-payment reduces the mortgage balance immediately hence the borrower will be charged less interest from the next day

As a general rule, it is advisable to compare the APRs of different loans, as this is a good way to determine how competitive they are

With this type of mortgage, interest may be calculated on a daily or weekly basis

Gregory Pennington Bains & Ernst STEP 3 - HOW AM I PROTECTED? Personal loans are governed by the Consumer Credit Act 1974

The valuation does not represent a detailed inspection

The Act contains strict regulations about how money is lent and covers unsecured loans up to £25,000