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Generally these polices will be accepted as having the potential for greater and faster growth than the with profits but there is also the risk that they may not produce such a steady long-term return

Obtains the title deeds, which are normally held by the building society and asks you to fill in a detailed questionnaire

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

This can lead to an individual paying interest on a mortgage for in excess of 25 years, which is generally an unnecessary expense

With discount mortgages borrowers need to watch out for ‘payment shock’

This also means that persons who are self-employed, or who have recently changed jobs, or who have adverse credit can take out a loan

Local authority searches Personal Searches Dependent on the local authority, searches can take up to six weeks

As the discount is linked to the standard variable rate, the borrowers payments will increase, if rates rise – so there is no certainty in budgeting

Be prepared

Other advantages of flexible mortgages are that payment holidays can be taken during the year and extra funds are normally available via a drawdown facility

Capped mortgages enable you to place a limit on your monthly mortgage commitment, plus they benefit from falls in interest rates

If applicable, a redemption fee comes into effect when you repay/terminate the mortgage within the redemption term, as set out in your mortgage advance

If the plan is not reaching its expected target, the borrower can increase payments into the policy or invest in another product to cover any anticipated shortfall

TIP: Buyers should make note that they are responsible for the insurance of the property on exchange of contracts, not when you move in

All mortgage lenders require an official search to be carried out

Alternatively, you may be seeking the security of a guaranteed mortgage rate which will provide peace of mind by ensuring that your monthly mortgage payments do not fluctuate

Most recent P60 Whilst the banks and building societies will all have different specific requirements these are usually required in all circumstances