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Current Account Mortgage

The capped rate has a maximum rate above which your loan will not be charged, however should the lenders variable mortgage rate fall below the level of the cap then you will still benefit from this rate

This will vary between lenders and products

Although both may vary, a deposit of between 5% and 10% is common, as is completion 28 days after exchange

The amounts can range from a flat fee e

For example; It may be that the property is located on the local pub route and returning merry singers (or worse) could end up becoming a nuisance

In summary you will find numerous different methods of calculating the maximum LTV but the figure once stated is usually non-negotiable

Discounted mortgage With a discounted mortgage, lenders offer a discount on the standard variable rate for a specified term

What limitations apply to your current mortgage rate

The agent will be more willing to hand you properties that he can sell quickly or that are in greater demand

Buy to Let Mortgages

ADVANTAGES At the end of the term, you are safe in the knowledge that the total amount of the debt has been repaid

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

Cashback Mortgage Is a mortgage product, which provides a cash lump sum or a cash percentage of the mortgage amount to spend as you wish. The cashback amount is paid to the borrower shortly after completion.

CML - The The Council Of Mortgage Lenders is a trade association specifically for mortgage lenders in the UK and its members undertake around 98% of UK residential mortgage lending. It provides a service to mortgage lending institutions by helping to establish and maintain a favourable operating environment in the residential mortgage and related housing market.

Making an offer in its self is a simple process, but getting the price you want or simply securing your ideal home may require a bit more determination and skill on your behalf

A seller may ask you to negotiate specific issues or accept your offer in full; In which case by Scottish Law you are fully committed to the purchase

This means that a mortgage with, for example, a discount to 31st January 2006 will have a redemption charge to either the same date or a date prior to this

on a particular day a borrower has a mortgage balance of £50,000 and has £2,000 held in the current account

Alternatively, you may be seeking the security of a guaranteed mortgage rate which will provide peace of mind by ensuring that your monthly mortgage payments do not fluctuate

These tax-free accounts were split into two main alternatives, the Mini individual savings account and the Maxi individual savings account, both of which can be utilised to repay an interest only mortgage

This form of insurance is not compulsory

If you do have difficulty making your repayments you should seek advice from your lender immediately

The amount available usually ranges from £500 to £25,000 over a term of 6 months to 10 years

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

The plan provider will then add bonuses to the individual plans at the year-end depending on the performance of the investments within the fund

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

Possibility for first time buyers to use to enable them to obtain a mortgage when they are unable to raise a deposit other than by short term finance arrangements

Disadvantages: Holders of a Mini individual savings accounts cannot take out a Maxi, and vice versa