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Arrangement fees Arrangement fees are normally charged by the lender for reserving a discounted or fixed interest rate mortgage for a given period of time

The amount provided by the investment product cannot normally be guaranteed

SVR - Standard Variable Rate Standard Variable Rate (SVR) - All lenders have their own Standard Variable Rate, which is largely determined by the base interest rate set by the Bank of England. The Standard Variable Rate of interest may increase or decrease from time to time.

Watch out – the ERC can sometimes last longer than the fixed rate period e

You may also speak to the seller directly

Unit Linked – Once again investors funds are pooled and then used to purchase units in stock market linked investments

This may reveal other factors that will not appear on any formal search

Lenders charge interest on the amount you borrow, which is referred to as the Annual Percentage Rate (APR)

Commonly a lender will require a non-refundable up front booking fee to be paid on application to reserve the mortgage

Listed below are examples of some of the best deals around

Advice on Affording a Mortgage

Including gas and electric suppliers and insurance companies etc

The period of borrowing is for a short period (say less than 12 years) You are nearing retirement and want the security of guaranteeing the repayment of your mortgage

Interest Only Mortgage Advice

The standard period is 14-28 days after exchange

Using an ISA as a repayment vehicle is growing in popularity but due to the ISAs complexity it is only for the financially sophisticated or borrowers taking advice from a suitably qualified financial adviser

Either party is liable for legal action in breach of contract

(See Offers & Missives), so if you ANY doubts ask your solicitor for advice

The borrower remains liable for any shortfall on the mortgage hence the outstanding balance will need to be paid off from other resources

Just Financial Advice UK Ltd is an independent mortgage advisor and will be able to help discuss the options with you, answer any questions you might have and agree a course of appropriate action

g Loans for holidays may be restricted to a 12 or 24 month term)

Negotiation with a lender is possible

If you have no life assurance cover in place and die before the loan is repaid, the mortgage will still need to be repaid

The capital amount is to be repaid at the end of the period agreed

At least you then have the information regarding how the seller would rather proceed

Disadvantages: Generally you will be unable to obtain fixed, discounted, capped or cashback rates on flexible mortgages