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Disadvantages: The final value of the policy may not be entirely sufficient to repay your mortgage or the monthly premium may have to be increased later on in the term of the mortgage to compensate for poor returns

Written quotations are available on request

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

This is also particularly relevant in the case of sealed bids

Equally, you may consider whether the most suitable mortgage vehicle for the future would be a repayment or interest only mortgage (see our Guide to your Mortgage Repayment Options) and this may be related to the prospect of remaining in the same house for the remaining term of your mortgage

If using a removal firm we suggest obtaining several quotes first

b) If you are able to afford the remedial work over a staged period after completion, then consult the lender or broker to discuss staged release payments

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

STEP 1 - WHICH LOAN? Unsecured personal loans are available for a range of different amounts and repayment terms

The opportunity to access the investment proportion of your mortgage in the event of financial difficulties

All lenders base their mortgage range around their variable rate of interest

Read all the details on the specification sheet

The inspection is limited to comparing the price being paid against similar property in the area and checking the general condition and location of the property

What the search should highlight Any Planning notices

The lender will offer a range of insurance, the problem being that you may be forced by lender to buy uncompetitive insurance to help recover the costs of a heavily discounted mortgage

For more information see: Vital questions to ask the seller or agent Making a deposit Express the seriousness of your offer by offering to put down a deposit as an act of good faith

The fixed payments are based on the amount of the loan together with the mortgage term and are designed so that, at maturity, the amount invested and earnings are sufficient to pay off the mortgage

For a mortgage secured on a property, insurance may be required

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

For example, the variable rate may be 5% with a discount of 1

The period an Early Redemption Charge applies can vary

In addition the interest rate charged is often lower than the usual Standard Variable Rates charged by the other more ‘traditional’ mortgage lenders

You are then free to move into your new home

FEATURES AND OTHER BENEFITS OFFERED WITH MORTGAGES There are other key features and benefits to be considered when determining the best mortgage for a prospective borrower

A standard policy will typically include such cover as loss or damage to your possessions while in your home, alternative accommodation to the value of 15% of the value of the sum assured

There are two basic types of endowment policy – the with profits version and the unit linked version

Blind Bids This is only applicable to buyers in Scotland. If there is more than one party showing and interest in a property then each party will put in a sealed bid before a specified closing date. Often the bid is over the asking price and made only after thorough research and inspection into the value and condition of the property. (Consultation with a professional is always advised) By law the seller is under no obligation to accept any of the offers made, but usually accepts the highest bid. If for any reason the seller wishes to decline all of the offers made, perhaps due to low bid prices, then they can reject the offers and start anew.

Advice on Affording a Mortgage

Individuals on tight budgets expecting wage increases over the first few years of the mortgage