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The period of borrowing is for a short period (say less than 12 years) You are nearing retirement and want the security of guaranteeing the repayment of your mortgage

Interest Only Mortgage Advice

The survey does not necessarily supply a property valuation, but it should highlight any defects that could end up costing a fortune to make good

Your solicitor should be able to advise you on the current search time

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

In either case, having prepared the ground an agent will notice that you have put some work into sorting a few thing out, thus take you seriously

Generally these polices will be accepted as having the potential for greater and faster growth than the with profits but there is also the risk that they may not produce such a steady long-term return

Default Failure of an individual to make payments on a mortgage at the correct time or to not comply with the mortgage companies requirements

Existing endowments can be used to support a new mortgage with any ‘additional lending’ over the value of the projected maturity balance being covered on a repayment basis or with an alternative repayment vehicle

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

Check to see if this applies with your lender or solicitor

Disadvantages: It is highly debatable as to whether or not it is wise to use a proportion of your retirement savings to pay off your mortgage

Lenders are constantly providing new ways for borrowers to save money if they switch their mortgage from their existing lender to a new one

4% off for 1 year

The maximum limit is £1,000 (£3,000 in the current tax year) for stocks and shares and cash, with the insurance element being £1,000 immediately

For more information see: Vital questions to ask the seller or agent Making a deposit Express the seriousness of your offer by offering to put down a deposit as an act of good faith

If the property was purchased outright, the buyer keeps the deeds

Credit scoring assesses your personal circumstances and statistics to ascertain which broad category of borrower you fit in to

This means that the lender can claim part or all of its ‘losses’ incurred repossessing the property from the insurance company providing the MIG cover

- keeping them all in one place for when you need them