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Reductions or increases in the rate will result in a direct increase or decrease in the monthly payment to the lender

The solicitor will ask for your deposit and any outstanding charges to be in their hands normally 5/7 days before the date of entry

They are more expensive than the lenders valuation

The money is then paid back to the Lender over a fixed period of time together with accrued interest

This will contain a number of conditions and other requirements that your solicitor will discuss with you

They should be included in the sale

Buyers should check carefully any property they wish to buy for such restrictions

There is no guarantee with this type of mortgage

Bankrupt A Corporation, Firm or individual who, via a court proceeding, is relieved from paying all debts once assets have been surrendered to an appointed third party designated by the court

Index Linked Buildings Insurance This type of insurance covers the main structure of your home (not the contents) and is required to protect you against the cost of rebuilding your home in the event of fire, flood or similar disaster

Free Legals or a Contribution Towards Conveyancing Costs More common on products aimed at the remortgage market but a frequent product ‘enhancement’

Basically it is any item that is not firmly attached to the house that is counted as a moveable

Prior to making the decision to remortgage it is important to establish a number of basic facts or the benefit of your remortgage may be significantly reduced by penalties imposed by your current lender

We are experts in finding mortgages and loans for people with a problem, or poor credit history

During the early years you will find the charges in certain policies will eat into the premiums and reduce the amount you are accumulating towards the repayment of your mortgage

Generally these polices will be accepted as having the potential for greater and faster growth than the with profits but there is also the risk that they may not produce such a steady long-term return

Some websites are also offering information about local schools, crime rates, and average property prices

Taking entry The solicitor will advise you on checks to be made when you enter the property and what to do if you encounter any problems

Cashback mortgage A Cashback mortgage provides you with an amount of cash upon commencement of the mortgage

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

If you have a flexible mortgage, you may be able to vary the amount of the monthly repayment and you may be able to pay in or draw out lump sums

Plan and think ahead

Advantages: The tax advantages a pension policy has make this type of mortgage the most tax efficient available

The market conditions are in your favour (see details above)

The freedom to make additional payments up to the annual limits

Therefore, a reputable agent will forward all offers to their client even if these are made after an offer has been accepted