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However it is not necessarily the case that two lending institutions that have the same multiples available will lend the same amount of money to the same person

Interest only

They deal with surveyors every day and should be able to recommend a good one

the mortgage does have an Early Redemption Charge but it does not last longer than the fixed, capped or discount period

Including gas and electric suppliers and insurance companies etc

Requests your deposit

Hence in this situation you are likely to stand a greater chance of obtaining a significant price reduction

Possibly tied in to variable rate with same lender for various periods following the fixed rate term end

Has it been re-plumbed or rewired? If so, ask to see any certifications or guarantees Look for cracks, uneven floors or doorways and any signs of water damage

You are not looking for a guarantee of repayment at the end of the mortgage term

If any adverse comments on structure or conditions arise then it is wise to obtain quotations on any remedial work required

Borrowers with new loans only get the interest paid after waiting for nine months

All mortgage lenders require an official search to be carried out

Arrangement fees are common on fixed and capped rate mortgages

So ask and make it a condition of any offer

Compare life insurance quotes instantly through our independent systems

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

Index Linked Buildings Insurance This type of insurance covers the main structure of your home (not the contents) and is required to protect you against the cost of rebuilding your home in the event of fire, flood or similar disaster

It can be done, but much depends on the lender

It may be that administration charges, mortgage indemnity insurance, or building and contents insurance costs have been added to the amount you originally borrowed

This service is subject to a small fee, and is available by contacting: Experian Ltd Online: wwwukexperiancom/consumer Telephone: 0870 241 6212 Post: Consumer Service Help Centre Experian Ltd PO BOX 8000 Nottingham NG1 5GX Equifax PLC Online: wwwequifaxcouk Telephone: 0870 010 0583 Post: Credit File Advice Centre PO BOX 3001 Glasgow G81 2DT If you are experiencing problems with your credit you may wish to contact the following companies for some help and advice

Cashback Mortgages

Suitability: The interest only mortgage option is suitable in a number of circumstances the most common being those identified below: You do not mind taking some degree of financial risk

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

Examine these policies carefully