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Most lenders have a different name for this charge i

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If for any reason your application is declined, may be able to direct your application to a provider who can help

Flexible Mortgages

Many lenders now offer specialist buy to let mortgages that allow private landlords to fix their interest payments for five years or more, providing you with some security over mortgage funding costs

This will depend on future investment performance

Capped Rate Mortgages

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

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

In this case all is not lost, other factors may come into play such as the sellers current position and reason for sale

Borrowers will be required to remain on the lenders variable rate of interest for a pre-determined period of time

If so, be bold and ask to see them

A Guide to Unsecured Personal Loans Unsecured personal loans are offered by lending institutions such as banks and building societies

APR may vary

So as a rough ‘rule of thumb’ a capped rate is better to have than a fixed if all other factors are equal

Higher rate taxpayers may benefit from this option

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

More detailed reports are also available for a small fee

As a consequence lenders frequently ‘lock-in’ borrowers by applying Early Redemption Charges for those paying off the mortgage early

As the discount is linked to the standard variable rate, the borrowers payments will increase, if rates rise – so there is no certainty in budgeting

Get advice on all types of loans, compare rates, or apply for a loan online

If significant defects are identified, the surveyor may suggest further investigation by an specialist

the mortgage balance minus the positive balance held in the current account

Proposed road works within 200 meters of the property

a 5 year discount with a 7 year ERC

However, in the greater scheme of things it may prove worth paying as a more competitive insurance may be had elsewhere