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The typical rate is a rate that is offered to over 50% of successful applicants, and the exact rate offered to you will depend on your personal circumstances, the amount and term of the loan along with the credit assessment procedures

If applicable, a redemption fee comes into effect when you repay/terminate the mortgage within the redemption term, as set out in your mortgage advance

Suitability: The flexible mortgage option is suitable in a number of circumstances the most common being those identified below: Self employed or contract workers

If negotiation is required, these offers and counter offers are known as missives

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

The borrower also takes out at the same time, an alternative ‘repayment vehicle’ (method of paying off the mortgage) such as an ISA, pension plan or endowment policy

Watch out – the ERC can sometimes last longer than the fixed rate period e

Once your application has been submitted to us, either the service provider will send you an e-mail acknowledging your application

If so, ask how they were damaged or why replaced

Some sites are also offering information about local schools, crime rates, and average property prices

The seller may or may not be entertaining any new viewings, but if you have viewed the property and decided to make an offer (albeit late in the day) at least the seller will be aware of it

Setting the completion date The standard time between exchange of contracts and completion is four weeks

Regular checking of the policy fund itself by the borrower and the lender should minimise any risk

Be precise when filling out the registration forms

The surveyor will not inspect inaccessible parts of the property or areas which are not already exposed

Most mortgage schemes, in return for offering you a lower initial rate, will require you to stay with that scheme at least for the period of the Discount, Fix or Cap, and often longer

Disadvantages: Generally you will be unable to obtain fixed, discounted, capped or cashback rates on flexible mortgages

Suitability: A pension policy linked mortgage is the most suitable option in a number of circumstances the most common being those identified below: This option is only really suitable for a small minority of people

Mortgages offering a 5 or even 6% cashback can be found which would mean a borrower taking a £70,000 mortgage would receive £4,200 on completion (at 6%)

Suitability: The interest only mortgage option is suitable in a number of circumstances the most common being those identified below: You do not mind taking some degree of financial risk

Let your lender know your intentions and ask under what circumstances may they be prepared to waver the redemption fee

Your local borough council or solicitor will be able to provide you with the exact cost

The amount you repay the lender each month can be at a fixed interest rate for a certain period of time, regardless of the interest rate in the market place

Not all buyers pull out as a result of the condition of property itself, but it is worth noting that further enquiries should be made as to the reasons for a previous buyer pulling out

This means that all bank rates cuts are automatically passed on to the borrower

For a mortgage secured on a property, insurance may be required

At this point you will need to pay your share of the property purchase to your solicitor who will exchange this and the money from the mortgage provider for the Disposition (or Title Deed)

Repayment Mortgages UK

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STEP 1 - WHICH LOAN? Unsecured personal loans are available for a range of different amounts and repayment terms

This tends to be around £200 - £250 and becomes payable as soon a the reservation is made