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The cost of this is therefore to be taken into account when selecting a lender

Normally the cashback is offered as a package of benefits e

Borrowers will normally have to build up a reserve through overpayments before being allowed to underpay or skip payments

Absolute title Having absolute title on a property means that you have full rights and ownership relating to the property

Agricultural Covenant A planning covenant that allows the construction of a residential dwelling provided it is to be occupied by a person employed or associated with working on the land. Properties such as this tend to attract a lower value, as they can only be sold to another person in similar circumstance unless the covenant is lifted. Annual bonus A bonus paid annually on an endowment mortgage which is dependent on the performance of the investment fund you are using to repay your mortgage.

They are also useful for larger amounts or where the applicant requires a longer repayment period

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

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

If any adverse comments on structure or conditions arise then it is wise to obtain quotations on any remedial work required

Making an offer in its self is a simple process, but getting the price you want or simply securing your ideal home may require a bit more determination and skill on your behalf

Read all the details on the specification sheet

Receive replies to questions raised and reports to you with the contract for signing

Disadvantages: It is highly debatable as to whether or not it is wise to use a proportion of your retirement savings to pay off your mortgage

In the early years of a repayment mortgage the majority of the monthly repayment is interest rather than capital

Each lender will have a maximum percentage of the value that they will be willing to lend in each individual circumstances, this is more commonly known as the maximum loan to value (LTV)

Take the time to get up a little earlier and start your school or office run from the intended property