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Most lenders and insurance companies offer a combined Buildings and Contents Policy

You are then free to move into your new home

The above mortgage products may have other criteria which will require evaluation before deciding if the product is suitable for an individual

It is common for lenders to offer rates fixed for a period of 2 to 5 years, but shorter and longer periods can be found in the market

Mortgage Indemnity Charge (sometimes referred to as a High Percentage Lending Fee) For high Loan to Value (LTV) mortgages i

Lenders have been known to charge a switching fee even if you refused to accept the lenders insurance cover at the time of taking out a mortgage

You should never assume that because a lender is prepared to agree a mortgage on the property that the purchase price is reasonable or there is nothing wrong with the property itself

The initial pay rate would therefore be 3

APR may vary

Unless these payments are guaranteed then as a rule of thumb expect that 50% will be taken into account

Capped mortgage Capped mortgages have a limit to any increases in the variable rate, for a selected period of time

Taking a look at the overall market conditions is essential, but we also suggest that you take a look at the local conditions

Title Deeds Title Deeds consist of a pack of legal documents, which a lender holds for the duration of the mortgage as security against the loan. The documents include who owns the legal title to the property and land, the results of solicitors’ searches and a map of the property with the legal boundaries defined.

Tracker Mortgage A Tracker Mortgage is linked to a benchmark interest rate, such as the Bank of England base rate. This is usually only for a set period of time. The rate you pay moves up and down in line with the benchmark selected. At the end of the set period, the Standard Variable Rate normally applies

This may mean that you require a scheme which permits lumps sum payments to reduce the mortgage or may be seeking to combine both your current account and mortgage borrowings in the same financial product

the mortgage has to be held for a number of years before the lender breaks into profit

It is important to note that this is not an official search

Other Charges There are a whole series of other fees that some lenders apply in certain circumstances e

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

Save £s on your buildings and home contents insurance

Disadvantages: As mentioned above, any change in bank rates will be directly reflected in the monthly mortgage repayment so this type of mortgage provides no protection against any upward movement in interest rates (in contrast to fixed rate mortgages for example)

Read all the details on the specification sheet

5 times a single salary and 2