buy to let, personal loan

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

ADVANTAGES If the proceeds of the plans exceed the amount required to repay the mortgage, then this is received as a cash lump sum by the borrower

Moving House & Your Mortgage Completing all the formalities involved with moving house can be an arduous task and as such many people choose to stay with their existing lender rather than seeking out a new deal for their amended mortgage

Sewers and drainage

As you would expect lenders apply an Early Redemption Charge with cashback mortgages

How long has it been on the market and have there been any price reductions? Ask about the general state of the property

The initial pay rate would therefore be 3

Receive replies to questions raised and reports to you with the contract for signing

If you are refused a personal loan or wish to make enquiries concerning your own credit file, you can apply to the credit reference agencies for a copy of your credit file

It will not protect you to the same degree, but if speed is of the essence, it can save weeks

It is also worth pointing out that historically the returns on endowment policies have been pretty good (provided they go full term)

Amendments to the 1988 Housing Act has reduced the fear of landlords that tenants, once admitted to the property, will prove all but impossible to evict

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

Surveys come in three forms: Valuations, usually undertaken by the lender

These are often referred to as credit scoring facilities

The interest rate can fluctuate and is not fixed at the initial rate of interest

Some will allow for bonuses and some will only allow 50% of bonus

If you have no life assurance cover in place and die before the loan is repaid, the mortgage will still need to be repaid

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)

The amount is usually measured in either pounds or months

4 weeks to go Arrange buildings insurance for your new home to commence on exchange of contracts. Check that your home contents are adequately insured (transit insurance) during the move. Start to use up food from your freezer. Contact the telephone company to organise reconnection or installation of a line. Book time off work. Make special arrangements for pets and remember that they often find moving home stressful!

It is not permissible for holders of a Mini individual savings account to open a Maxi individual savings account and vice versa

Lenders may offer payment breaks or repayment holidays as part of their personal loan package and these allow you to take a break from your repayments at the beginning of the loan or at any agreed point during the term

Cashback Mortgage Is a mortgage product, which provides a cash lump sum or a cash percentage of the mortgage amount to spend as you wish. The cashback amount is paid to the borrower shortly after completion.

CML - The The Council Of Mortgage Lenders is a trade association specifically for mortgage lenders in the UK and its members undertake around 98% of UK residential mortgage lending. It provides a service to mortgage lending institutions by helping to establish and maintain a favourable operating environment in the residential mortgage and related housing market.

(Typically £800) Avoid gazumping and contract races To help protect yourself from future disappointment, wasted time and expenditure, during the process of making an offer it may be worth trying to ensure that the agent and the seller agree that higher offers will not be entertained

This will vary between lenders and products

Most agents are pretty determined in their approach and will be interested in selling you more than a property