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DISADVANTAGES There may be financial penalties for making lump sum/overpayments into your mortgage account

Buildings survey Also known as a structural survey

5% of the value of the property for your conveyancing

Free Legals or a Contribution Towards Conveyancing Costs More common on products aimed at the remortgage market but a frequent product ‘enhancement’

Mortgage Endowment Policies

Frequently individuals will move from job to job requiring alterations to be made to their retirement planning which may adversely affect their mortgage planning

No buyer should rely solely on the information provided by a mortgage valuation especially when purchasing a large or old property

a) Inform the vendor/agent about the dilemma to see if an agreement can be made regarding a reduction in the sale price

It is important to note that comment within the report is limited to those areas that are considered accessible at inspection

Lenders have an array of different criterion on which they will base the maximum LTV and at Just we will be able to provide you with advice regarding different lenders attitudes in this area

lender agrees on completion of the mortgage to provide you with a set percentage of amount borrowed as a cash payment

However it is not necessarily the case that two lending institutions that have the same multiples available will lend the same amount of money to the same person

However in the greater scheme of things it may prove worth paying as a more competitive insurance may be had elsewhere

A single payment is made to your lender each month covering both the interest charged on the loan as well as the repayment of the outstanding capital

Lenders will also use credit reference agencies to obtain information about you

A Home Buyers report, generally suitable for most modern homes conventional in type and construction

So as a rough ‘rule of thumb’ a capped rate is better to have than a fixed if all other factors are equal

The freedom to make additional payments up to the annual limits

The philosophy behind this type of mortgage is that all your money reduces the outstanding balance on your mortgage, and, as the interest is calculated daily, your interest payments are correspondingly reduced

Compare mortgage rates to find your ideal mortgage, or see how much you could save by changing lenders and re-mortgaging

The differential between base and pay rates remains constant for an agreed period and is normally far smaller than the margin on an ordinary variable rate

you as a loyal customer with a new loan

If significant defects are identified, the surveyor may suggest further investigation by an specialist

Those with FRICS, ARICS or Tech RICS after their name are members of the Royal Institution of Chartered Surveyor and are subject to the RICS formal complaints procedure if clients are unhappy with the work carried out

Moving House & Your Mortgage Completing all the formalities involved with moving house can be an arduous task and as such many people choose to stay with their existing lender rather than seeking out a new deal for their amended mortgage

Insurers impose various get out clauses, so as with all insurance cover it is vital to check what is included (and excluded) in the cover

Advantages: Monthly payments can adapt to the level of monthly income you receive

The law on moveables is quite complex

Most recent mortgage statement or a redemption statement from your lender

Once all documentation is in order (after checking with you and your lender) the solicitor will send the title deeds for recording in the Register of Sassines or registration in the Land Register of Scotland

Self Certification Mortgages

In return you usually agree to pay the variable rate charged by the bank or building society, for a specified term

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