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Only one Maxi individual savings account may be held in any one tax year

Receives mortgage offer and deals with all the conditions on your behalf

Having difficulties obtaining a mortgage, because of CCJs, defaults, or arrears? We are experts in finding mortgages and loans for people with poor credit

Frequently individuals will move from job to job requiring alterations to be made to their retirement planning which may adversely affect their mortgage planning

The main thing to do is your homework and seek specific advice relating to your circumstances from a qualified professional

There will usually be a required period of payment before protection will become available and some people may be excluded from its cover

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

coal mining search to check for subsidence; check to see if there are some planned major road developments going through the back garden etc

These are often referred to as credit scoring facilities

Buy To Let Mortgages Buy To Let mortgages are taken out to buy a property for the sole purpose of letting as an investment. These are normally second mortgages. The rates charged on second mortgages tend to be about 0.5% to 1% higher than first-home mortgages, so it is likely that you will pay more for your loan on a Buy To Let Scheme. This is due to the nature of the loan, which is considered a higher risk for the lender. Lenders also tend to require larger deposits as most will lend only 75% of the property value though some may go as high as 85%. You are required to meet certain criteria, which vary from lender to lender, but fundamentally your application will be based on 1) Your income versus all existing loans. 2) The anticipated rental income covering a certain percentage of the loan interest payment. 3) Plus the normal credit checks etc.

The APRs quoted by the lender will usually be typical rates, and these act as a guide only as the exact rate offered will be on an individual basis

Advantages: The potential reduction in your level of borrowings means that over the entire term of your mortgage substantial savings can be made on your overall mortgage payments, or you may be able to pay the mortgage off early

Disadvantages: Holders of a Mini individual savings accounts cannot take out a Maxi, and vice versa

Your solicitor should be able to advise you on the current search time

The opportunity to access the investment proportion of your mortgage in the event of financial difficulties

There are limits applied to all contributions

With this type of mortgage, interest may be calculated on a daily or weekly basis