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So make sure you get the facts

The endowment is a long-term investment product, which should be held to maturity to get the maximum benefits

Often mistakenly called an endowment mortgage, interest only mortgages are loans where the lender agrees to charge purely interest throughout the term of the mortgage

Check to see if this applies with your lender or solicitor

An estate agent has the duty by law to inform the seller of all offers made on their property, regardless of an offer having already been accepted

The redemption fee payable is often up to six times you currently monthly repayments

It occurs when the seller accepts a higher offer from another buyer after already having accepted yours

The cost can easily add over £1,000 to the total bill and is either paid up front or added to the overall loan

There are two main factors that influence the amount you are able to borrow

Much maligned in the press because of the poorer investment growth rates achieved in a low inflationary environment this form of investment is less popular these days

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

Will your furniture fit or will you need to redecorate as a result? Make note of any fixtures and fittings

Prior to making the decision to remortgage it is important to establish a number of basic facts or the benefit of your remortgage may be significantly reduced by penalties imposed by your current lender

Land Registry Fees Land Registry Fees are based on the purchase price of the property. The fee is effectively an administration charge for registering your ownership of the property and or land.

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

This will vary between lenders and products

carpets and curtains

A system of feudal tenure exists in Scotland, under which the seller has the power to impose permanent restrictions on the future use and development of the property and land

Flexible mortgage Cashback Fixed Discounted Capped