interest rates, mortgage uk

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Free Legals or a Contribution Towards Conveyancing Costs More common on products aimed at the remortgage market but a frequent product ‘enhancement’

Which way is the property positioned? East facing rooms will receive more sun in the morning; West-facing rooms will be brighter in the afternoon

One other factor on which there is a debate as to how it will be treated is the aspect of adverse credit details

Being hit by an unexpected redemption fee can put a serious dent into your finances

Gazundering Gazundering is when the buyer refuses to go ahead with the sale unless the price is reduced. There is nothing the seller can do about this apart from negotiate on the price or lose the sale - and possibly the house they are in the process of purchasing. In such situations any estate agent worth their salt will do their best to negotiate on your behalf, or failing that, will attempt to find you a suitable new buyer with all possible haste. Fortunately, it is rare to come across gazundering but in a slow housing market it is more likely to occur as prices may be falling.

a 3 year fixed rate with a 5 year ERC

Lenders offer insurance policies or payment protection schemes to protect you in the event of accident, illness, unemployment and death (subject to conditions), for which the charge is added to your monthly repayment

Possible diversion or closure of roads or footpaths

The differential between base and pay rates remains constant for an agreed period and is normally far smaller than the margin on an ordinary variable rate

Another form of insurance is Mortgage Indemnity Guarantee

The elements incorporated within the plan include cash, stocks and shares as well as insurance elements

will need to be addressed during this period of pre-contract enquires

Individuals looking to repay their mortgages quicker than their basic income would indicate as, possibly the result of expected bonus payments and or share options

Although directly related to interest rates it can be slightly more expensive than the interest only options, even allowing for the investment vehicle payments

Most recent P60 Whilst the banks and building societies will all have different specific requirements these are usually required in all circumstances