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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

Find out what else is included in the sale

Investment backed mortgage With this method you pay interest only to the lender and separately take out a suitable investment to repay the capital at the end of the mortgage term

lender agrees on completion of the mortgage to provide you with a set percentage of amount borrowed as a cash payment

The moving in day is likely to be one of the most memorable days in connection with the property, so we hope our planner goes some way in making your move more pleasurable

Demand for housing is higher than the property available

As soon as you have found a property that you wish to make an offer on, your solicitor will note interest for you

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

There may need to be further formal letters before both parties are in full agreement and your offer is accepted

The differential between base and pay rates remains constant for an agreed period and is normally far smaller than the margin on an ordinary variable rate

Capped Mortgage Capped Mortgages guarantee that the interest rate charged will not rise above a certain level for a set period of time. However, if the Standard Variable Rate goes below the capped rate, the Standard Variable Rate will apply. Once the set period of the capped rate has ended, the Standard Variable Rate of interest will be charged.

The redemption fee payable is often up to six times you currently monthly repayments

Upon making an offer via the agent or directly to the seller, the experienced seller is likely to take into account several factors over and (in many cases) above the offer price itself

Watch out – the ERC can sometimes last longer than the fixed rate period e

Preparing for Settlement As the settlement date comes near your solicitor ensures that everything is drawn together, that the funds are ready, and that there are no outstanding issues

Free Valuation or Refund of Valuation A free valuation requires no up-front payment from the mortgage applicant whereas a refund will only be made when and if the mortgage application completes

Under the terms of The Mortgage Code of Practice the lender will, before a mortgage applicant takes a mortgage, provide a tariff covering the repayment of the mortgage, including charges and additional interest costs payable in the vent of arrears and will advise of any other charges for services before or when the service is provided

Each year the original capital sum will remain outstanding

This tends to be around £200 - £250 and becomes payable as soon a the reservation is made

These are more detailed than a lender valuation but they produced on behalf of the applicant

This is called a collar

Flexible mortgage A flexible mortgage may enable the borrower to pay off all or part of their mortgage without paying a penalty

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

99% 2 year discount, no extended ties fee free remortgage

Much maligned in the press because of the poorer investment growth rates achieved in a low inflationary environment this form of investment is less popular these days