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If you have a mortgage, the lender will insist that you take out this type of policy

It is probably more suited to you if you do not mind this uncertainty and your budget can absorb an increase in interest rates or if you think rates will go down during the discounted period

If you are unsure, talk to local estate agents and solicitors

Buy To Let Mortgage Buy To Let mortgages are taken out to buy a property for the sole purpose of letting as an investment.

STEP 1 - WHICH LOAN? Secured home-owner loans are available in varying amounts and for many different purposes, including debt consolidation

For more information see: Valuations and surveys Removal costs Removal costs vary according to whether your using a removal firm or doing-it-yourself

Advantages: Cash payment may be useful to those utilising their savings as a deposit, to enable them to afford fixtures and fittings for the property

If so, be bold and ask to see them

b) If you are able to afford the remedial work over a staged period after completion, then consult the lender or broker to discuss staged release payments

Fixed rate mortgage The biggest advantage of a fixed rate mortgage is that, irrespective of fluctuations in interest rates, your monthly repayments remain the same throughout the period of the fixed rate

For more information please see:: Dealing with adverse valuations Recently built homes Most new houses have a National House Building Council (NHBC) Certificate

Hence in this situation you are likely to stand a greater chance of obtaining a significant price reduction

The purpose of the search is to discover if there are plans for nearby development that could potentially affect the property

The freedom to make additional payments up to the annual limits

The above rates are a sample of the range of rates currently available and figures are correct at the time of going to the Internet

Loans secured against property that is already mortgaged are known as second charges, whereas loans secured against a property owned outright with no existing mortgage in place are known as first charges