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In many cases if approached sensibly, a happy medium can be reached

6 months interest or repayment of the amount of benefit received, be it cashback or reduced interest

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

With discount mortgages borrowers need to watch out for ‘payment shock’

A good site will enable you to register your requirements and send you the latest property details by email

The opportunity to take payment holidays without incurring large penalties

An endowment policy is a commonly used investment product to repay the capital, although there are other alternatives

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

Specific questions which may cover issues such as disputes with neighbours, alterations to the property, etc

Interest only

In this case the lender agrees to release the amount withheld over a staged period of time after satisfactory completion and in most cases inspection of the remedial work

OTHER FEATURES / CONDITIONS AND CHARGES ASSOCIATED WITH MORTGAGES Early Redemption Charge (sometimes referred to as a ‘redemption penalty’) Given that the mortgage market is very competitive many mortgages are sold as ‘loss leaders’ i

The policy is usually highly portable and allows free movement from lender to lender

damp and timber reports, planning consents for alterations and extensions

A previous buyer will only be too happy to get some of the costs back

Other Charges There are a whole series of other fees that some lenders apply in certain circumstances e

One other factor on which there is a debate as to how it will be treated is the aspect of adverse credit details

Mortgage in principle A mortgage in principle is a conditional offer made by the mortgage lender to confirm that they will in principle give you the loan you have discussed, provided the information you have given is correct

Obtains the title deeds, which are normally held by the building society and asks you to fill in a detailed questionnaire

The moving in day is likely to be one of the most memorable days in connection with the property, so we hope our planner goes some way in making your move more pleasurable

Just Mortgages UK will explain the many schemes available and will help you to find the most suitable option for your circumstances

Home Mortgage Rates

The above mortgage products may have other criteria which will require evaluation before deciding if the product is suitable for an individual

This can be attributed partly to the stress of the home buying procedure, but it can also be down to mortgage tie-ins where the lender insists on you taking out their insurance

FEATURES AND OTHER BENEFITS OFFERED WITH MORTGAGES There are other key features and benefits to be considered when determining the best mortgage for a prospective borrower

If the plan is not reaching its expected target, the borrower can increase payments into the policy or invest in another product to cover any anticipated shortfall