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The Maxi individual savings accounts combine three basic elements in one plan, with a limit of £5,000 (£7,000 in the current tax year) being placed on the investment

You believe that the investment market over the period of your mortgage is likely to generate a cash surplus over and above that required to repay the mortgage

See below for more information about these features

Your local agent can give you a good idea here

More information about endowments (which in the 1980’s and 1990’s were extremely popular), ISAs and Pension plans are below

Assuming your intentions to purchase are serious, it is vital to put in some preparation work to ensure you are taken seriously by an agent and seller

Your lender agrees a set rate of interest for a specified period of time

Lenders will also use credit reference agencies to obtain information about you

Borrowers who anticipate rising interest rates

Base Rate Tracker Mortgages

Find out what else is included in the sale

Those with FRICS, ARICS or Tech RICS after their name are members of the Royal Institution of Chartered Surveyor and are subject to the RICS formal complaints procedure if clients are unhappy with the work carried out

Most insurance companies will have extended buildings cover options which are well worth considering

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

Often it may require obtaining quotations for any remedial work required to form the basis of any negotiation on price

INTEREST RATES ON MORTGAGES When you have chosen the right mortgage for you, whether it be a repayment or an interest only mortgage, you will need to consider the 4 main mortgage rate options available

In the early years of a repayment mortgage the majority of the monthly repayment is interest rather than capital

Variable Rate Mortgages

5 times a single salary and 2

The flexible mortgage concept was imported from Australia so occasionally you may hear them referred to as ‘Aussie style mortgages’

It is important to note that the valuation is carried out on behalf of the lender – not the mortgage applicants! Frequently lenders include an administration fee as part of the valuation fee collected to cover the costs of arranging the valuation

Other Benefits A whole range of other benefits can be applied to mortgages including the significant benefits of no Mortgage Indemnity Charge and no Early Redemption Charge

Each year the original capital sum will remain outstanding