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In such circumstances the borrower will be facing a significant increase in their monthly mortgage payment at the end of the discount benefit period

How long they been there and have there been any disputes? Internal Observations Does the property have central heating? If so, check when it was installed and last serviced

There is also the potential to receive a tax-free lump sum once the capital amount owing has been repaid, or to reduce the term of the mortgage if the target amount is achieved early

Demand for housing is higher than the property available

Providing a combination of the security of knowing the maximum monthly cost for a set period with the opportunity to take advantage of any downward movement in the mortgage rates, this is a popular choice for many borrowers

Advantages: Generally, the rate charged will be lower than the variable rate applicable under a standard mortgage

Mortgages offering a 5 or even 6% cashback can be found which would mean a borrower taking a £70,000 mortgage would receive £4,200 on completion (at 6%)

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

Contrary to popular believe, lenders can be flexible

Check this out with your solicitor or lender

Receives mortgage offer and deals with all the conditions on your behalf

Anywhere between 1% and 12% cashback has been available

They are not available for business purposes and some other uses may also be excluded, for example the purchase of timeshare properties

It will cover problems such as collapse or serious distortion of floor joists or the roof

Your mortgage lender will insist on a property survey before approving your mortgage

It is important to bear in mind that many lenders charge a small premium on self-certificated business to reflect the extra risk involved

Generally these polices will be accepted as having the potential for greater and faster growth than the with profits but there is also the risk that they may not produce such a steady long-term return

First Time Home Buyers Buying your first home can be a daunting proposition

They should be included in the sale

Gaining as much information about the reasons for the sale and the condition of the property will pay dividends later when making an offer

1 week to go Pay all local milk/paper bills. Cancel any services, e.g. window cleaner, milkman, newspaper delivery. Return videos/library books/pick up dry-cleaning. Drain petrol/oil from any garden equipment. Prepare directions for removals company. Confirm final details with them and include contact/mobile numbers for you throughout the day. Make sure all the utilities at your new home will be fully functional for when you move in.

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

Suitability: A cash back mortgage is the most suitable option in a number of circumstances the most common being those identified below:

First time buyers

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