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The lender may permit over-payments and lump sum payments, which allow you to clear the loan over a shorter term than that agreed at the outset

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

Regular checking of the policy fund itself by the borrower and the lender should minimise any risk

Moving House & Your Mortgage Completing all the formalities involved with moving house can be an arduous task and as such many people choose to stay with their existing lender rather than seeking out a new deal for their amended mortgage

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

Some short term discount products offer a ‘deep discount’ e

Owing to the fact that pension plans have certain built in tax advantages they generally have the potential to achieve greater overall returns than an endowment policy might be expected to achieve

Lenders have an array of different criterion on which they will base the maximum LTV and at Just we will be able to provide you with advice regarding different lenders attitudes in this area

The definition of income may also change from one mortgage provider to the next

Using an ISA as a repayment vehicle is growing in popularity but due to the ISAs complexity it is only for the financially sophisticated or borrowers taking advice from a suitably qualified financial adviser

Whether the property is a listed building or in a conservation area

This may reveal other factors that will not appear on any formal search

Which way is the property positioned? East facing rooms will receive more sun in the morning; West-facing rooms will be brighter in the afternoon

arrears, late payment, removing the lenders name from the Title Deeds at the end of the mortgage

5 times a single salary and 2

You are then free to move into your new home

The cost is usually dependent upon the type and size of property, but expect to pay between £300 - £800

The second influence on the amount you can borrow is your current level of income

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

The seller is legally required to answer these enquiries honestly! Prepares and sends a package of legal information and draft contract, setting out the main terms agreed, the names, price, special terms, and details of the legal ownership Requests a settlement figure for your mortgage and any other secured loans

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

Find out what else is included in the sale

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