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

Capped mortgages enable you to place a limit on your monthly mortgage commitment, plus they benefit from falls in interest rates

This could end up saving you time and money

The elements incorporated within the plan include cash, stocks and shares as well as insurance elements

You only get this if you qualify for income support

Receives mortgage offer and deals with all the conditions on your behalf

The seller in turn will most likely invite you to make an offer on or before a closing date

Suitability: The flexible mortgage option is suitable in a number of circumstances the most common being those identified below: Self employed or contract workers

If you are obtaining a mortgage then your solicitor will need to prepare a Standard Security, giving your mortgage provider certain rights over the property

If you have no life assurance cover in place and die before the loan is repaid, the mortgage will still need to be repaid

Just offer independent advice with regard to over 4,600 mortgage products

Amendments to the 1988 Housing Act has reduced the fear of landlords that tenants, once admitted to the property, will prove all but impossible to evict

This may reveal other factors that will not appear on any formal search

Larger borrowings

Why indexed linked? - As time goes by, the rebuild and repair costs of any property damage are likely to increase, thus if the sum insured does not rise in relation to these, you will end up being under insured

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

At the end of the term, therefore, you will need to repay the capital

Advantages: The only option with a 100% guarantee that the loan will be repaid in full at the end of the term

Flexible Mortgages

Sometimes it will match the period of the discount/fix but often it can go beyond the benefit period e

However, it is often overlooked that you may approach the seller or agent to negotiate a shorter period

What limitations apply to your current mortgage rate

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

Replacing any damaged, lost or stolen items on a new for old basis

The capital amount is to be repaid at the end of the period agreed

This can be an indication of overpricing, adverse surveys or valuations and point to future difficulties in selling

Irrespective of movements in the interest rate your monthly payments will not change

It is likely that the first payment will be double the normal monthly payment due to the requirement to pay a month in arrears by most lenders

Alternatively the title deeds will be sent to the mortgage lender in the case of raising finance for the purchase

Proposed road works within 200 meters of the property

The amount provided by the investment product cannot normally be guaranteed

This is called a collar

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

Poor Credit & Loan Advice