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It is possible that your investment may provide a surplus lump sum or pay off your mortgage early

These are known as regulated loans

Especially if you are intending to take out a new loan or transfer your existing loan to another lender because they offer better rates or terms

How long they been there and have there been any disputes? Internal Observations Does the property have central heating? If so, check when it was installed and last serviced

a first-come, first-served fixed rate

Insurance Lenders will insist that the property is adequately insured, with a suitable Buildings Insurance Policy, as it represents security against the mortgage debt

Buy to let has become an attractive investment option for many people as soaring house prices, increased demand for rental property and better legal protection for private landlords has made buy to let fast growing area of the mortgage market

Prior to making the decision to remortgage it is important to establish a number of basic facts or the benefit of your remortgage may be significantly reduced by penalties imposed by your current lender

At Just we can complete a full analysis of the market using the most up to date information available

County Court Judgements (CCJ) An adverse ruling by a County Court against a person who has not satisfied their debt payments with their creditors

Advantages: The tax advantages a pension policy has make this type of mortgage the most tax efficient available

Making an offer is one of the more stressful parts of buying a home

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

Advantages: The only option with a 100% guarantee that the loan will be repaid in full at the end of the term

A Guide to Secured Home-Owner Loans A secured loan is any loan that requires the borrower to provide the lender with some form of security

Suitability: An endowment policy is the most suitable option in a number of circumstances the most common being those identified below: You are a higher rate taxpayer and have utilised all your annual ISA allowance

In addition lenders frequently apply an Early Redemption Charge (ERC) for fixed rate mortgages

When and how to talk to agents When to start taking to an agent about buying is entirely up to you

Save £s on your buildings and home contents insurance

Most lenders and insurance companies offer a combined Buildings and Contents Policy

No buyer should rely solely on the information provided by a mortgage valuation especially when purchasing a large or old property

Exposure to interest rate rises

Gain an advantage view point of the roof - Does it bow or are there any tiles missing? Are there signs of any glass being recently replaced or damage to external doors? Possibly indicating signs of break-in

Requests your deposit

Proceedings relating to any infringement of building regulations

Plus the number of rooms in your existing home

Credit scoring assesses your personal circumstances and statistics to ascertain which broad category of borrower you fit in to

Be precise when filling out the registration forms

There are two basic types of endowment policy – the with profits version and the unit linked version

A single payment is made to your lender each month covering both the interest charged on the loan as well as the repayment of the outstanding capital

If asked, the seller will let you know how they would like to proceed