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Disadvantages: In the first few years of the loan the largest proportion of your regular monthly payment goes to pay off interest – the balance outstanding is hardly reduced at all

This acts as a ‘lock-in’ making an often heavy charge for borrowers paying off their mortgage early

The area of self-certification mortgages is a relatively new one which is proving popular due to the changing working environment

Save £s on your buildings and home contents insurance

Be aware that valuations are just that - they are not a full structural survey

Discounted mortgage With a discounted mortgage, lenders offer a discount on the standard variable rate for a specified term

Borrowers paying the Standard Variable Rate will have their payments increase or decrease as the lender adjusts the rate in accordance with market conditions

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

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

This is not an obligation to purchase the property

Cashback The Lender, as an incentive, will offer a lump sum of cash once the mortgage has been taken out

the rates for telephone applications may be different from those for online applications

Preliminary Observations Ask about the cost of council tax and utilities with the seller

Hence an applicant paying for a valuation and then not proceeding due to, say, a poor valuation, will not have their valuation fee refunded

If you have a mortgage, the lender will insist that you take out this type of policy

We are experts in finding mortgages and loans for people with a problem, or poor credit history

The key thing is to talk with your lender

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