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With this type of mortgage, interest may be calculated on a daily or weekly basis

Replacing any damaged, lost or stolen items on a new for old basis

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

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

Disadvantages: Associated redemption penalties are restrictive

This final bonus is not guaranteed in any way

Stamp Duty becomes payable at the time of completion/taking entry and is normally made via a solicitor

Sealing Fee This is a fee charged by all lenders for discharging a mortgage when it is repaid in full Searches A buyer’s solicitor normally carries out searches. The solicitor will carry out local searches on your behalf to make sure that the property you are planning to buy does not have, for example, a road planned at the bottom of your garden or any compulsory purchase orders attached to it. This is usually done by a search of the local land register. Your solicitor sends a standard form to the local authority that will enter details of any local land charges adjacent to the property you are buying. The speed with which the results are returned varies considerably from borough to borough. You can speed up the process by arranging a personal search. You pay a fee, whereby a search agent, appointed by your solicitor, calls at the offices of the local authority and the search is conducted there and then. This is not an official search, so will not protect you to the same degree, but if speed is of the essence, it can save weeks.

Borrowers confident that the mortgage rate is likely to fall

A booking fee is paid to reserve funds on a mortgage product that has limited funds available e

Pension Plan Life assurance cover is provided and monthly payments are made into a pension fund

An investor may only hold one of each Mini in any tax year

Interest may still accrue on the balance outstanding so the exact terms should always be verified with the lender

Some sellers prefer to keep their property on the market until exchange of contracts so that if the transaction falls through, they have a back-up buyer

However, it is often overlooked that you may approach the seller or agent to negotiate a shorter period

If you want to continue, find out if the previous buyer had completed the searches or any survey

These tax-free accounts were split into two main alternatives, the Mini individual savings account and the Maxi individual savings account, both of which can be utilised to repay an interest only mortgage

The initial pay rate would therefore be 3

Until the seller receives these funds, the buyer may not normally have access to the property

Once your application has been submitted to us, either the service provider will send you an e-mail acknowledging your application

Ask why the current owners are selling the property

TYPES OF MORTGAGE There are essentially two different types of mortgage: Repayment only, (capital and interest mortgage) Interest only, (ISA, pension or endowment mortgage) Repayment only

These are known as regulated loans

This is referred to as a ‘redemption overhang’