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Lenders have been known to charge a switching fee even if you refused to accept the lenders insurance cover at the time of taking out a mortgage

These are normally paid by bank or building society draft to ensure that they will be cleared in plenty of time for the date of entry

Using an ISA as a repayment vehicle is growing in popularity but due to the ISAs complexity it is only for the financially sophisticated or borrowers taking advice from a suitably qualified financial adviser

Solicitors require at least 7-10 days to release the necessary funds

Disadvantages: Generally rates for capped mortgages will be slightly higher than those of the fixed rate mortgages available, although this is largely led by market forces and has not been the case in recent years

The amount will vary from lender to lender and on the size of the mortgage

Most lenders have a different name for this charge i

This is a fantastic time saver

Again, if you have any concerns about this, your solicitor will be able to advise you

Proceedings relating to any infringement of building regulations

conducts a local authority search to highlight planning, financial and other charges affecting the property

This may include: Accidental building damage, for example spilling paint down a wall or on your patio

This is referred to as a ‘redemption overhang’

By stating this you are not obligated to proceed until the conclusion of the survey and the exchange of signed contracts

Get advice on all types of loans, compare rates, or apply for a loan online

Including gas and electric suppliers and insurance companies etc

Lenders may offer payment breaks or repayment holidays as part of their personal loan package and these allow you to take a break from your repayments at the beginning of the loan or at any agreed point during the term

Endowments provide life assurance so that in the event of death the mortgage is paid off

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

A Guide to Unsecured Personal Loans Unsecured personal loans are offered by lending institutions such as banks and building societies

Capped Rate Mortgages

However, if the variable rate drops below your capped rate, you will benefit as your repayments will be calculated using the lower variable rate

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

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

Mortgage Indemnity Charge (sometimes referred to as a High Percentage Lending Fee) For high Loan to Value (LTV) mortgages i