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Advantages: The fixed rate provides the security of knowing the exact monthly cost of your loan for a set period

Read all the details on the specification sheet

Once all documentation is in order (after checking with you and your lender) the solicitor will send the title deeds for recording in the Register of Sassines or registration in the Land Register of Scotland

Borrowers who anticipate rising interest rates

A standard policy will typically include such cover as loss or damage to your possessions while in your home, alternative accommodation to the value of 15% of the value of the sum assured

Put the owner on the spot and see what reaction you get

Specific questions which may cover issues such as disputes with neighbours, alterations to the property, etc

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

After completion, the buyer must pay stamp duty (if applicable) and must be registered as new owner with the Land Registry together with the details of any mortgage lender

Usually calculated on a daily basis and added to the loan either monthly, quarterly or annually

How much do these policies cost? Expect to pay around £5 for every £100 of your mortgage bill

For more information see: Valuations and surveys Removal costs Removal costs vary according to whether your using a removal firm or doing-it-yourself

This had much to do with the amount of properties being repossessed at the time

ISA The Individual Savings Account (ISA) is a tax free method of saving

This is not an obligation to purchase the property

Without going into detail to explain this feature the up-shot is that over-paying the mortgage on a monthly or regular basis, even by a relatively small amount, will reduce your mortgage term by years (hence saving payments)

A booking fee is paid to reserve funds on a mortgage product that has limited funds available e

You are then free to move into your new home

See below for a quick guide to secured loans

This is referred to as a ‘redemption overhang’

The offer will have numerous conditions which are designed to ensure that you encounter no problems when you move into the property

A system of feudal tenure exists in Scotland, under which the seller has the power to impose permanent restrictions on the future use and development of the property and land

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

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

Until the arrival of flexible mortgages most, if not all, UK lenders were charging interest on an annual basis which meant that borrowers making over-payments were not getting the benefit straight away because it could be a year before the capital was reduced by the over-payment

Contrary to popular believe, lenders can be flexible

With discount mortgages borrowers need to watch out for ‘payment shock’

Some sites are also offering information about local schools, crime rates, and average property prices

There is a wide range of contents insurance options and packages on the market

The opportunity to access the investment proportion of your mortgage in the event of financial difficulties

This is covered above

Suitability: A capped rate mortgage is the most suitable option in a number of circumstances the most common being those identified below: Individuals wanting more flexibility in terms of rate decreases than fixed rates but still wishing to limit the amount of their maximum monthly payments

No further funds can now be put into Personal Equity Plans