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A number of these flexible mortgages may also offer the ability to operate your mortgage account as a bank account with the option to make withdrawals in certain circumstances

Again, if you have any concerns about this, your solicitor will be able to advise you

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

A good site will ask if you want to receive them or not

Note there is no guarantee that, when the endowment matures and ‘pays out’, the balance will be sufficient to repay the mortgage

You never know, it could be a deciding factor involved in your decision to purchase or not

carpets and curtains

Possibility for first time buyers to use to enable them to obtain a mortgage when they are unable to raise a deposit other than by short term finance arrangements

The amount provided by the investment product cannot normally be guaranteed

The interest rate can fluctuate and is not fixed at the initial rate of interest

We recommend taking a look at homecheck

you as a loyal customer with a new loan

What limitations apply to your current mortgage rate

Local authority searches Personal Searches Dependent on the local authority, searches can take up to six weeks

These tax-free accounts were split into two main alternatives, the Mini individual savings account and the Maxi individual savings account, both of which can be utilised to repay an interest only mortgage

Self-Build Mortgages This is a mortgage for applicants who are building their own property. The loan is usually released in stages as the building progresses.

Stamp duty Stamp Duty is a UK government based tax on properties bought throughout the UK. It becomes payable upon completion of your purchase and is normally paid through your conveyancer. more info: Current Fees

The policy is usually highly portable and allows free movement from lender to lender

Each lender will have a maximum percentage of the value that they will be willing to lend in each individual circumstances, this is more commonly known as the maximum loan to value (LTV)

The deed of transfer is prepared and approved and if the buyer has raised finance a mortgage deed is prepared

This is referred to as a ‘redemption overhang’

Sewers and drainage

damp and timber reports, planning consents for alterations and extensions

If you want to continue, find out if the previous buyer had completed the searches or any survey

An arrangement fee is typically charged on completion of the mortgage

Annual Versus Daily Interest Rate Calculations Some lenders offer mortgages with daily or with annual interest. The best option depends on your personal circumstances, for example if you know you will want to make overpayments or regular capital payments on your mortgage, you should probably consider a daily interest type mortgage. However, if flexibility of payment is not a requirement, annual interest may be more appropriate.

On-line conveyancing On-line conveyancing is one of the latest improvements in the legal process of buying and selling

5 times a single salary and 2

Cashback Mortgage Is a mortgage product, which provides a cash lump sum or a cash percentage of the mortgage amount to spend as you wish. The cashback amount is paid to the borrower shortly after completion.

CML - The The Council Of Mortgage Lenders is a trade association specifically for mortgage lenders in the UK and its members undertake around 98% of UK residential mortgage lending. It provides a service to mortgage lending institutions by helping to establish and maintain a favourable operating environment in the residential mortgage and related housing market.

It is probably more suited to you if you do not mind this uncertainty and your budget can absorb an increase in interest rates or if you think rates will go down during the discounted period

Again, as with fixed rates, up-front charges and ‘lock-ins’ are common

When viewing a property ask the question and try to establish a rapport with the seller