self certify, london mortgage

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

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

Without going into detail to explain this feature the up-shot is that over-paying the mortgage on a monthly or regular basis, even by a relatively small amount, will reduce your mortgage term by years (hence saving payments)

The plan holder can then draw a pension from the balance of the fund

The amount you repay the lender each month can be at a fixed interest rate for a certain period of time, regardless of the interest rate in the market place

The period an Early Redemption Charge applies can vary

If you, your solicitor and your lender are happy with the survey then your solicitor can make a formal offer

Disadvantages: Unexpected increases in payments at term end

Suitability: The interest only mortgage option is suitable in a number of circumstances the most common being those identified below: You do not mind taking some degree of financial risk

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

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

Lenders now offer insurance policies that pay mortgage bills for around a year if you lose your job

The key thing is to talk with your lender

The experienced agent is likely to be skilled in the art of negotiation and know what buttons to press

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