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STEP 1 - WHICH LOAN? Unsecured personal loans are available for a range of different amounts and repayment terms

Let your lender know your intentions and ask under what circumstances may they be prepared to waver the redemption fee

Assuming your intentions to purchase are serious, it is vital to put in some preparation work to ensure you are taken seriously by an agent and seller

Each year the amount owed will decline

The lender can give you a settlement figure, normally over the phone

This tends to be around £200 - £250 and becomes payable as soon a the reservation is made

The period an Early Redemption Charge applies can vary

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

Overpayments and lump sum payments into your mortgage account can be made reducing both the interest and capital amounts repayable

Suitability: An endowment policy is the most suitable option in a number of circumstances the most common being those identified below: You are a higher rate taxpayer and have utilised all your annual ISA allowance

you as a loyal customer with a new loan

No buyer should rely solely on the information provided by a mortgage valuation especially when purchasing a large or old property

Hence an applicant paying for a valuation and then not proceeding due to, say, a poor valuation, will not have their valuation fee refunded

These are known as regulated loans

The redemption fee payable is often up to six times you currently monthly repayments

The most important fact about an interest only mortgage is that the monthly repayments do not repay any of the outstanding capital balance

Self Certification Mortgages

That is: Consider what type of mortgage you require and then find a mortgage lender you feel can offer you the best deal