repayment mortgage, london mortgage

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There are two main factors that influence the amount you are able to borrow

the mortgage balance minus the positive balance held in the current account

Each case should be taken on its own merits

Bridging Loan A bridging loan is a sum of money borrowed for a limited period of time to enable you to buy a new property before selling your old one. Interest rates charged tend to be higher than normal and a bridging loan shouldn’t be taken out lightly.

Information Required There are a number of common items that will be required in order to obtain a new mortgage and listed below are the most common: 3-6 months pay slips 3-6 months bank statements

Valuation Fee The amount charged to conduct a valuation of the property on behalf of the lender

The period of borrowing is in excess of say 12 years

Why indexed linked? - As time goes by, the rebuild and repair costs of any property damage are likely to increase, thus if the sum insured does not rise in relation to these, you will end up being under insured

Irrespective of movements in the interest rate your monthly payments will not change

carpets and curtains

Contents Insurance Home contents insurance protects your possessions against loss, damage and theft

So ask and make it a condition of any offer

This final bonus is not guaranteed in any way

This also means that persons who are self-employed, or who have recently changed jobs, or who have adverse credit can take out a loan

How much do these policies cost? Expect to pay around £5 for every £100 of your mortgage bill

The mortgage like most others is portable should you move house, and providing you maintain the payments for the entire term of the mortgage you are guaranteed to repay the loan at the end of your selected period of borrowing