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

Take note of the neighbours - Do they have overlooking views? Do they have pets, or caravans that may end up being a nuisance? Accept a tour by the owner or agent

This mainly occurs in a sellers market or where the property is of rare value

Poor Credit history can include County Court Judgements(CCJ), Bankruptcy, Mortgage arrears or any late payments on credit arrangements

Most pension plans have the option at maturity to withdraw a percentage of the fund as tax-free cash

Possibly tied in to variable rate with same lender for various periods following the fixed rate term end

Total monthly payments will remain constant unless interest rates change, but as each year passes the capital part of the payment will increase as the interest element decreases

Demand for housing is higher than the property available

See below for more information about these features

Below is a quick and easy guide to personal loans

Will your furniture fit or will you need to redecorate as a result? Make note of any fixtures and fittings

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

When registration is complete, the title deed to your lender for safekeeping

Note that even after repossession the former borrower will remain liable for any sums owing (shortfall between selling price and mortgage outstanding plus arrears, lenders legal costs and any other charges applied to the mortgage) and can be pursued by the insurance company for payment at a subsequent date

A separate life policy will be required in most cases

lowest rate - personal loan