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In this case all is not lost, other factors may come into play such as the sellers current position and reason for sale

- keeping them all in one place for when you need them

Often mistakenly called an endowment mortgage, interest only mortgages are loans where the lender agrees to charge purely interest throughout the term of the mortgage

The amount provided by the investment product cannot normally be guaranteed

If for any reason your application is declined, may be able to direct your application to a provider who can help

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

Alternatively the title deeds will be sent to the mortgage lender in the case of raising finance for the purchase

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

Buy To Let Mortgage Buy To Let mortgages are taken out to buy a property for the sole purpose of letting as an investment.

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

The Early Redemption Charge can represent a significant sum although the amount will differ between lenders and between products

Fixed Rate Mortgage

Lenders charge interest on the amount you borrow, which is referred to as the Annual Percentage Rate (APR)

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

Financial charges relating to work undertaken by the local authority, such as road works or repairs to dangerous buildings

If remedial work is required ask the owner if they have had any quotes

It is also worth pointing out that historically the returns on endowment policies have been pretty good (provided they go full term)

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

The area of self-certification mortgages is a relatively new one which is proving popular due to the changing working environment

At the end of the term, therefore, you will need to repay the capital

Commonly these will be between 3 and 3

Base Rate Tracker Mortgages

FLEXIBLE / LIFESTYLE MORTGAGES CURRENT ACCOUNT MORTGAGE (CAM) CASHBACK FREE LEGALS OR CONTRIBUTION TOWARDS CONVEYANCING COSTS FREE VALUATION OR REFUND OF VALUATION FEE OTHER BENEFITS Flexible / Lifestyle Mortgages A Flexible or ‘lifestyle’ mortgage is designed to let you to make extra repayments when you have extra money, and to reduce or even skip payments when necessary

Mortgage Protects Schemes If you lose your sole source of income, the reality is that you will not be able to rely on the State to help with your loan repayments

A fixed interest rate will stay the same throughout the term of your loan, regardless of any changes in the bank base rate