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If added to the loan then interest is charged over the duration of the loan

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

At least you then have the information regarding how the seller would rather proceed

Some of the newer entrants into this sector are also linking savings accounts, credit cards and personal loans into the mix

linked with a discount, but pure cashback products are not uncommon

These mortgages take the benefits of the flexible mortgage and use the funds held in the current account to offset the interest e

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

What limitations apply to your current mortgage rate

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

Note, the fee is usually non-refundable

Not only will an estate agent take you more seriously, but the seller will feel more comfortable and have more confidence that you are not time wasting

Higher rate taxpayers may benefit from this option

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

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

There may need to be further formal letters before both parties are in full agreement and your offer is accepted

Mortgage lenders require that neither the buyer nor the seller have a bankruptcy notice registered against them

APR may vary

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

Possible diversion or closure of roads or footpaths

The definition of income may also change from one mortgage provider to the next

So make sure you get the facts

Although your repayments are unprotected from any sudden increases in interest rates you will benefit from any reductions

Has the owner made any improvements? Do you have the relevant warranties? Does the property require much regular maintenance? Can you do it yourself or afford to get a professional? How much ground rent/service charges do you pay? (Leaseholds) How secure is the property, does it have an alarm? Has it ever been burgled? Ask about the neighbours

This means that a mortgage with, for example, a discount to 31st January 2006 will have a redemption charge to either the same date or a date prior to this

Searches are often one of the major causes of time delay

If remedial work is required ask the owner if they have had any quotes

The proportion of UK housing stock taken by rentals stood at a low of 7% in 1989, but has grown to 11% in the ten years since

Mortgage Protects Schemes If you lose your sole source of income, the reality is that you will not be able to rely on the State to help with your loan repayments

Mortgage Endowment Policies

Lenders now offer insurance policies that pay mortgage bills for around a year if you lose your job