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APR may vary

A Guide to Secured Home-Owner Loans A secured loan is any loan that requires the borrower to provide the lender with some form of security

linked with a discount, but pure cashback products are not uncommon

4 weeks to go Arrange buildings insurance for your new home to commence on exchange of contracts. Check that your home contents are adequately insured (transit insurance) during the move. Start to use up food from your freezer. Contact the telephone company to organise reconnection or installation of a line. Book time off work. Make special arrangements for pets and remember that they often find moving home stressful!

Ask the seller or agent when the previous buyer pulled out and if recent, ask your conveyancer whether it is advisable to purchase the previous searches

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

Advantages: Generally, the rate charged will be lower than the variable rate applicable under a standard mortgage

The lack of discipline in the monthly payment means the temptation is there to spend the money on other matters

Generally, secured loans are much easier to obtain than unsecured loans

The costs will be greater for house purchase than for remortgage

Often it may require obtaining quotations for any remedial work required to form the basis of any negotiation on price

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

Choosing the correct survey Choosing the correct survey depends on the requirements of the lender and the property itself

However it is possible to speed up the process by arranging a personal search

TYPES OF MORTGAGE There are essentially two different types of mortgage: Repayment only, (capital and interest mortgage) Interest only, (ISA, pension or endowment mortgage) Repayment only

The value of these holdings will alter on a daily basis and can go down as well as up

However should rates decrease the borrower will benefit from lower payments

This is a relatively recent introduction into the market and allows you to put all your money in one place, including your savings, current account, credit cards, loans, and earnings

Garage contents Items taken away from the home such as pedal cycles, jewellery, mobile phones etc Mortgage Indemnity Insurance Also known as Mortgage Indemnity Guarantee