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Written quotations are available on request

Replacing any damaged, lost or stolen items on a new for old basis

The mortgage like most others is portable should you move house, and providing you maintain the payments for the entire term of the mortgage you are guaranteed to repay the loan at the end of your selected period of borrowing

Neighbours - are you inheriting a problem? During the process of creating the draft contracts the seller completes a questionnaire from their solicitor

Demand for housing is higher than the property available

Again, as with fixed rates, up-front charges and ‘lock-ins’ are common

conducts a local authority search to highlight planning, financial and other charges affecting the property

This can be of great advantage in determining outline information before you go to the time and expense of having a survey and local searches made

It provides no benefit to you, it is for the lenders protection only

Capped mortgage Capped mortgages have a limit to any increases in the variable rate, for a selected period of time

Unfortunately not all estate agents are ethical in this area

Your monthly repayments consist of repaying the capital amount borrowed together with accrued interest

Base Rate Tracker Mortgages

The maximum limit is £1,000 (£3,000 in the current tax year) for stocks and shares and cash, with the insurance element being £1,000 immediately

Please remember, a major consideration in any viewing or visits should be your safety- Always help ensure your own safety by taking a friend or partner

Flexible mortgage A flexible mortgage may enable the borrower to pay off all or part of their mortgage without paying a penalty

Buyers Market

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOANS SECURED ON IT

This is also particularly relevant in the case of sealed bids

It simply informs the seller of your interest

Information Required There are a number of common items that will be required in order to obtain a new mortgage and listed below are the most common: 3-6 months pay slips 3-6 months bank statements

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