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Many flexible mortgages come without any Early Redemption Charge so the borrower is not ‘locked-in’ to any particular lender

Obtaining quotes for conveyancing is simple

This is usually linked to the amount of cashback provided

You may also speak to the seller directly

See below for more information about these features

Advantages: The tax advantages of individual savings accounts allow you to receive tax-free returns

Lenders charge interest on the amount you borrow, which is referred to as the Annual Percentage Rate (APR)

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

It is the role of the solicitor or licensed conveyancer to note ownership of the property on the title deeds; note the lenders interest in the property; register with the Land Registry and conduct searches to identify if there may be factors which could affect the property e

Possibility of losing out should interest rates fall below your agreed rate

This can be attributed partly to the stress of the home buying procedure, but it can also be down to mortgage tie-ins where the lender insists on you taking out their insurance

Negotiation with a lender is possible

What limitations apply to your current mortgage rate

(See Offers & Missives), so if you ANY doubts ask your solicitor for advice

It may be that administration charges, mortgage indemnity insurance, or building and contents insurance costs have been added to the amount you originally borrowed