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You will be kept up-to-date on the progress of your application by e-mail

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

The investment vehicle is entirely portable and can be taken with you to a new lender no matter how many times you might move

Note any parking facilities or restrictions

A good site will ask if you want to receive them or not

The main thing to do is your homework and seek specific advice relating to your circumstances from a qualified professional

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

Loans secured against property that is already mortgaged are known as second charges, whereas loans secured against a property owned outright with no existing mortgage in place are known as first charges

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5% on a normal lending limit of 75% loan to value

3% of the loan

Endowment ISA Plan Pension Endowment The most common type of interest only mortgage which also provides life assurance cover and a fixed payment for investment

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

Choosing a surveyor Reputable surveyors will confirm an instruction in writing with details of costs, qualifications and the nature of the instruction

Usually this type of flexible mortgage will also calculate interest daily meaning that you will see an immediate impact of any overpayments that you make

Redemption penalties can prevent restructuring of your mortgage and associated finances

A removal firm will normally supply a quote over the phone, based on the location your moving from and to

Preparing for Settlement As the settlement date comes near your solicitor ensures that everything is drawn together, that the funds are ready, and that there are no outstanding issues

Should your lender waver or reduce the redemption fee then it is likely that it would be on condition of keeping your business with them

Making an offer is one of the more stressful parts of buying a home

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

Insurers impose various get out clauses, so as with all insurance cover it is vital to check what is included (and excluded) in the cover

The flexible mortgage concept was imported from Australia so occasionally you may hear them referred to as ‘Aussie style mortgages’

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

The borrower also takes out at the same time, an alternative ‘repayment vehicle’ (method of paying off the mortgage) such as an ISA, pension plan or endowment policy

The capped rate has a maximum rate above which your loan will not be charged, however should the lenders variable mortgage rate fall below the level of the cap then you will still benefit from this rate

This is more likely to occur within the first 3-5 years of the mortgage term and more common with discounted, deferred or fixed mortgages

These tax-free accounts were split into two main alternatives, the Mini individual savings account and the Maxi individual savings account, both of which can be utilised to repay an interest only mortgage

If your instincts tell you to leave it alone

The proportion of UK housing stock taken by rentals stood at a low of 7% in 1989, but has grown to 11% in the ten years since

Some will allow for bonuses and some will only allow 50% of bonus

Some of the newer entrants into this sector are also linking savings accounts, credit cards and personal loans into the mix

Most lenders have a different name for this charge i