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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

The main thing to do is your homework and seek specific advice relating to your circumstances from a qualified professional

The seller needs to move fast

Under the terms of The Mortgage Code of Practice the lender will, before a mortgage applicant takes a mortgage, provide a tariff covering the repayment of the mortgage, including charges and additional interest costs payable in the vent of arrears and will advise of any other charges for services before or when the service is provided

Existing endowments can be used to support a new mortgage with any ‘additional lending’ over the value of the projected maturity balance being covered on a repayment basis or with an alternative repayment vehicle

Irrespective of movements in the interest rate your monthly payments will not change

There can be a shortfall in the fund within your investment meaning the cost of your interest only mortgage may increase over the term or alternatively you may be left with an extra sum of money to find at the end of the loan

The deposit is handed over to the sellers conveyancers and then a final completion statement is made by both parties conveyancers

Personal Possessions (including cash) on an all risk basis, in and outside the home

Your mortgage lender will insist on a property survey before approving your mortgage

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

SVR - Standard Variable Rate Standard Variable Rate (SVR) - All lenders have their own Standard Variable Rate, which is largely determined by the base interest rate set by the Bank of England. The Standard Variable Rate of interest may increase or decrease from time to time.

There may need to be further formal letters before both parties are in full agreement and your offer is accepted

Bankrupt A Corporation, Firm or individual who, via a court proceeding, is relieved from paying all debts once assets have been surrendered to an appointed third party designated by the court

Overtime and commission may be treated similarly

On your mortgage statement, normally received annually, you will see that the amount borrowed decreases throughout the term

Disadvantages: Associated redemption penalties are restrictive

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

29% 2 year fixed fee free, no extended ties

With this type of mortgage, interest may be calculated on a daily or weekly basis

Other factors may well be involved

All mortgage lenders require a survey, some more thorough and detailed than others

When registering, be aware that you a likely to receive information on other services or products

The law on moveables is quite complex

Your local borough council or solicitor will be able to provide you with the exact cost

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

You can also seek advice from a voluntary organisation such as The Citizens Advice Bureau

Redemption fees If you already have a mortgage on your existing property then it is possible that a redemption fee may apply

Advantages: The only option with a 100% guarantee that the loan will be repaid in full at the end of the term