poor credit, mortgage guide uk

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conducts a local authority search to highlight planning, financial and other charges affecting the property

Local authority searches Personal Searches Dependent on the local authority, searches can take up to six weeks

Fixed rate mortgage The biggest advantage of a fixed rate mortgage is that, irrespective of fluctuations in interest rates, your monthly repayments remain the same throughout the period of the fixed rate

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

In this case all is not lost, other factors may come into play such as the sellers current position and reason for sale

Capped Rate Mortgage

Know which location/s you prefer

We are completely independent and have access to every lender and product on the market

This is referred to as a ‘redemption overhang’

Borrowers with larger loans Remortgaging The Basics How we can help Information Required The Basics Becoming increasingly popular over the last ten years remortgaging is commonplace in today’s competitive mortgage market

When viewing a property ask the question and try to establish a rapport with the seller

Offers are invited above the stated price

Although your repayments are unprotected from any sudden increases in interest rates you will benefit from any reductions

This is a fantastic time saver

Disadvantages: The final value of the policy may not be entirely sufficient to repay your mortgage or the monthly premium may have to be increased later on in the term of the mortgage to compensate for poor returns