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Generally anything between 1 and 25 year fixed rates are available

Suitability: A capped rate mortgage is the most suitable option in a number of circumstances the most common being those identified below: Individuals wanting more flexibility in terms of rate decreases than fixed rates but still wishing to limit the amount of their maximum monthly payments

Cashback mortgage A Cashback mortgage provides you with an amount of cash upon commencement of the mortgage

It is important to note that you will still need to fund the shortfall in the advance at completion, albeit on a shorter term basis

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If you are not happy with the answer, investigate further or walk away

Owing to the fact that pension plans have certain built in tax advantages they generally have the potential to achieve greater overall returns than an endowment policy might be expected to achieve

More detailed reports are also available for a small fee

This will prove handy at the time of making an offer

ARLA - The The Association of Residential Letting Agents (ARLA) is a self-regulating body, which is solely concerned with lettings. In the event of unresolved disputes, the ARLA offers arbitration for landlords and tenants who use ARLA member firms. more info: http://www.arla.co.uk Arrangement Fee Sometime referred to as an Application Fee. The fee is an amount of moneylenders charge for arranging a mortgage. It may include administration costs and normally varies from one particular mortgage product to another.

If you do have difficulty making your repayments you should seek advice from your lender immediately

Possibility of losing out should interest rates fall below your agreed rate

The amount borrowed is repaid monthly over a term agreed at the outset, which will usually range between three years and twenty five years

Your solicitor will also be checking the exact description of the property and any title burdens

Fixed Rate Mortgage

It acts as a form of insurance for the lender not the borrower

If you are refused a personal loan or wish to make enquiries concerning your own credit file, you can apply to the credit reference agencies for a copy of your credit file

For more information see: Searches - what they should highlight Land registration The Land Registration fee will cost from £40 to £800

Either party is liable for legal action in breach of contract

Advantages: Cash payment may be useful to those utilising their savings as a deposit, to enable them to afford fixtures and fittings for the property

The borrower remains liable for any shortfall on the mortgage hence the outstanding balance will need to be paid off from other resources

(Typically £800) Avoid gazumping and contract races To help protect yourself from future disappointment, wasted time and expenditure, during the process of making an offer it may be worth trying to ensure that the agent and the seller agree that higher offers will not be entertained

The philosophy behind this type of mortgage is that all your money reduces the outstanding balance on your mortgage, and, as the interest is calculated daily, your interest payments are correspondingly reduced

Letting agents will on average charge 10% of the rental, or 15% if they are responsible for such things as repairs, complaints and other matters

At anytime of the day or night

Much depends on the agent, the seller and your confidence in your negotiation skills

The above mortgage products may have other criteria which will require evaluation before deciding if the product is suitable for an individual

What limitations apply to your current mortgage rate

Mortgage in principle A mortgage in principle is a conditional offer made by the mortgage lender to confirm that they will in principle give you the loan you have discussed, provided the information you have given is correct

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

FLEXIBLE / LIFESTYLE MORTGAGES CURRENT ACCOUNT MORTGAGE (CAM) CASHBACK FREE LEGALS OR CONTRIBUTION TOWARDS CONVEYANCING COSTS FREE VALUATION OR REFUND OF VALUATION FEE OTHER BENEFITS Flexible / Lifestyle Mortgages A Flexible or ‘lifestyle’ mortgage is designed to let you to make extra repayments when you have extra money, and to reduce or even skip payments when necessary

In many cases if approached sensibly, a happy medium can be reached

An endowment policy is a commonly used investment product to repay the capital, although there are other alternatives