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

Without an appraisal, it is going to be difficult to plan ahead

If significant defects are identified, the surveyor may suggest further investigation by an specialist

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

The Early Redemption Charge can represent a significant sum although the amount will differ between lenders and between products

The initial pay rate would therefore be 3

An endowment policy is a commonly used investment product to repay the capital, although there are other alternatives

It is best to find out the sellers position during the viewing, having plied as much information from the agent beforehand

A single payment is made to your lender each month covering both the interest charged on the loan as well as the repayment of the outstanding capital

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

There are limits applied to all contributions

the mortgage balance minus the positive balance held in the current account

This may be due to a number of factors, but mainly occurs due to the condition of the property

The cost of the survey is usually between £150 and £300 and provides a more in-depth inspection of a property

Arrangement fees Arrangement fees are normally charged by the lender for reserving a discounted or fixed interest rate mortgage for a given period of time

How long does your present fixed, discounted or capped rate last for

There is also the potential to receive a tax-free lump sum once the capital amount owing has been repaid, or to reduce the term of the mortgage if the target amount is achieved early

Disadvantages: It is highly debatable as to whether or not it is wise to use a proportion of your retirement savings to pay off your mortgage

Mortgages offering a 5 or even 6% cashback can be found which would mean a borrower taking a £70,000 mortgage would receive £4,200 on completion (at 6%)

If you wish to repay the loan in this time, or you remortgage with another lender, you will have to pay an Early Redemption Charge which can cost £thousands (6 months interest is common) depending on the lender and scheme

Individuals looking to repay their mortgages quicker than their basic income would indicate as, possibly the result of expected bonus payments and or share options