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arrears, late payment, removing the lenders name from the Title Deeds at the end of the mortgage

Further fees such as arrangement fees are also frequently experienced with this type of rate

Including gas and electric suppliers and insurance companies etc

First time buyers looking for security during the first few years of setting up home

A Self-Certification mortgage allows you to state your income without providing the usual documentary evidence providing that your mortgage falls within certain stated criteria

Ensure that you know how the settlement figure is made up

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

rooms, style, new or old etc

Flexible Mortgages

Self-Build Mortgages This is a mortgage for applicants who are building their own property. The loan is usually released in stages as the building progresses.

Stamp duty Stamp Duty is a UK government based tax on properties bought throughout the UK. It becomes payable upon completion of your purchase and is normally paid through your conveyancer. more info: Current Fees

Disadvantages: Unexpected increases in payments at term end

Lenders have been known to charge a switching fee even if you refused to accept the lenders insurance cover at the time of taking out a mortgage

Liaises with relevant parties and negotiates a date for completion

Personal loans are repayable monthly

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

For borrowers moving house regularly, this can result in little of the capital being paid off

The market conditions are in your favour (see details above)

At the end of the term, therefore, you will need to repay the capital

Are you tied into the variable mortgage rate and if so for how long? What redemption penalties will you incur if you were to pay off your mortgage early? Are any other fees involved? It is also generally worthwhile letting us talk to your existing lender to look at opportunities for obtaining better rates without moving the actual loan

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

Booking Fee and Arrangement Fee Both are up-front fees charges levied at the outset of the mortgage

The endowment is a long-term investment product, which should be held to maturity to get the maximum benefits

A standard policy will typically include such cover as loss or damage to your possessions while in your home, alternative accommodation to the value of 15% of the value of the sum assured

To obtain a mortgage in principle you will need go through the same motions as applying for an actual mortgage

Each case should be taken on its own merits

Stage 3 - completion On the completion date, the buyer obtains all rights to the property in return for the actual transfer of the funds covering the purchase price (less any deposit already paid)

Lenders have an array of different criterion on which they will base the maximum LTV and at Just we will be able to provide you with advice regarding different lenders attitudes in this area

12 weeks to go Try starting a notebook to record details

These are normally paid by bank or building society draft to ensure that they will be cleared in plenty of time for the date of entry

The Association of Residential Letting Agents (ARLA) says most landlords should be able to obtain gross rent equivalent to between 130% and 150% of the rental propertyıs mortgage repayments (interest only)