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Your lender agrees a set rate of interest for a specified period of time

Most pension plans have the option at maturity to withdraw a percentage of the fund as tax-free cash

it may not appear on the mortgage Offer as Mortgage Indemnity Charge or High Percentage Lending Fee

You stand to lose more than the property you had your heart set on as you may well have paid for surveys and searches, none of which will be refundable

Cashing in the plans early may result in financial penalties

It is usually attributed to either the agent has been too pushy, the buyer has not put enough thought into what they really want or a professional timewaster is at work

Once contracts have been exchanged, bankruptcy searches on both the buyer and the seller will be carried out

First time buyers looking for security during the first few years of setting up home

See below for a quick guide to secured loans

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

Suitability: The flexible mortgage option is suitable in a number of circumstances the most common being those identified below: Self employed or contract workers

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Pay particular attention to buildings insurance

Lenders now offer insurance policies that pay mortgage bills for around a year if you lose your job

Preliminary Observations Ask about the cost of council tax and utilities with the seller

However should rates decrease the borrower will benefit from lower payments

This product, which tends to be used by the self employed, is only for those taking advice from a suitably qualified financial adviser

Borrowers confident that the mortgage rate is likely to fall

Advantages: The only option with a 100% guarantee that the loan will be repaid in full at the end of the term

See below for more information about these features

This policy is designed to offer income protection against unemployment, sickness and redundancy

Most lenders have a different name for this charge i

Ask the seller or agent when the previous buyer pulled out and if recent, ask your conveyancer whether it is advisable to purchase the previous searches

So we know our specialist advisers can provide you with the mortgage that best suits your needs

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

Portable Mortgages Some mortgage products are portable (subject to the lender’s policy), which means if you move home you may be able to transfer your existing mortgage onto the new mortgage for your new home if you stay with the same lender.