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Overtime and commission may be treated similarly

Suitability: A variable rate mortgage is the most suitable option in a limited number of circumstances the most common being those identified below: Individuals borrowing money over the very short term anticipating repaying the loan early and not wishing to incur redemption penalties on all or part of the loan

Capped Rate Mortgages

The solicitor will ask for your deposit and any outstanding charges to be in their hands normally 5/7 days before the date of entry

Proposed road works within 200 meters of the property

Each year the original capital sum will remain outstanding

What the search should highlight Any Planning notices

Capped Rate Mortgage

How we can Help Obviously prior to making any decisions comparisons from other providers should be obtained

The amount borrowed is repaid monthly over a term agreed at the outset, which will usually range between three years and twenty five years

Protecting the property itself against disaster and you in relation to the legal liability to the public are essential aspects to property ownership

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

As a general guide, it is advisable to compare the APRs of different products as this will help you to determine how competitive they are

Mortgage Indemnity Charge (sometimes referred to as a High Percentage Lending Fee) For high Loan to Value (LTV) mortgages i

Pay particular attention to buildings insurance

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

Preparing the ground to buy No one likes a timewaster and the professional agent will spot one a mile off

Unit Linked – Once again investors funds are pooled and then used to purchase units in stock market linked investments

A Guide to Unsecured Personal Loans Unsecured personal loans are offered by lending institutions such as banks and building societies

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

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Contents insurance can provide cover for all your household contents - furniture, carpets, curtain, pictures TV, hi-fi, personal possessions etc

In particular, they provide details of county court judgements, defaults and any existing credit agreements, along with information relating to the electoral roll and your past credit history

3% of the loan

How long does your present fixed, discounted or capped rate last for

Equally, you may consider whether the most suitable mortgage vehicle for the future would be a repayment or interest only mortgage (see our Guide to your Mortgage Repayment Options) and this may be related to the prospect of remaining in the same house for the remaining term of your mortgage

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

Cashback mortgage A Cashback mortgage provides you with an amount of cash upon commencement of the mortgage

Indeed with enough credit you can take a payment holiday

The date and actual time of day of completion is quite specific and relies absolutely on the transfer of money

Exposure to interest rates

Much depends on the agent, the seller and your confidence in your negotiation skills

The opportunity to take payment holidays without incurring large penalties