debt consolidation, mortgage guide uk

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There can be a shortfall in the fund within your investment meaning the cost of your interest only mortgage may increase over the term or alternatively you may be left with an extra sum of money to find at the end of the loan

It is normal for lenders to charge up-front fees in the form of booking and/or arrangement fees

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

Disadvantages: Generally you will be unable to obtain fixed, discounted, capped or cashback rates on flexible mortgages

The deed of transfer is prepared and approved and if the buyer has raised finance a mortgage deed is prepared

However, try to include as much as possible in the negotiations

Mortgages offering a 5 or even 6% cashback can be found which would mean a borrower taking a £70,000 mortgage would receive £4,200 on completion (at 6%)

APR may vary

You may not get a straight answer, but at least the owner and agent will be aware that you know the score

Having difficulties obtaining a mortgage, because of CCJs, defaults, or arrears? We are experts in finding mortgages and loans for people with poor credit

Individuals looking to repay their mortgages quicker than their basic income would indicate as, possibly the result of expected bonus payments and or share options

We have a Support Team who can be contacted by telephone should you require any further assistance along the way

Cashback The Lender, as an incentive, will offer a lump sum of cash once the mortgage has been taken out

When viewing we always suggest taking someone with you for a second opinion as well as your own safety

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

Exposure to interest rates

Some inexperienced and less ethical agents are driven by working on commission or sales targets and may be inclined to try scare tactics or apply pressure for you to purchase

How long has it been on the market and have there been any price reductions? Ask about the general state of the property

The second influence on the amount you can borrow is your current level of income