ccj, mortgage loan

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Especially considering that they had gone to the expense of paying for a building survey

2% fees-free offset mortgage

Buy To Let Mortgage Buy To Let mortgages are taken out to buy a property for the sole purpose of letting as an investment.

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

Letting agents will on average charge 10% of the rental, or 15% if they are responsible for such things as repairs, complaints and other matters

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

Be prepared

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

STEP 2 - HOW DO I APPLY? Lending institutions offer you the option of applying for your personal loan either in person at a branch, via a written application, over the telephone or online

Our Mortgage Calculator will allow you to see how much you can borrow and the cost of your monthly repayments

Current Account Mortgage (CAM)

Cashback Mortgages

Note, the fee is usually non-refundable

Buyers should also be aware that they are responsible for the insurance of the property after the exchange of contracts

Compulsory purchase orders

The seller needs to move fast

Advantages: Complete flexibility within the mortgage market allowing option to move from lender to lender should the opportunity to take advantage of more competitive rates elsewhere arise

On this subject see ‘No Redemption’ and ‘No Overhang’ below

Other advantages of flexible mortgages are that payment holidays can be taken during the year and extra funds are normally available via a drawdown facility

If added to the loan then interest is charged over the duration of the loan

Again, as with fixed rates, up-front charges and ‘lock-ins’ are common

Ensure that you know how the settlement figure is made up

The amount is usually measured in either pounds or months

4% off for 1 year

After completion, the buyer must pay stamp duty (if applicable) and must be registered as new owner with the Land Registry together with the details of any mortgage lender

Has the owner made any improvements? Do you have the relevant warranties? Does the property require much regular maintenance? Can you do it yourself or afford to get a professional? How much ground rent/service charges do you pay? (Leaseholds) How secure is the property, does it have an alarm? Has it ever been burgled? Ask about the neighbours