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Some short term discount products offer a ‘deep discount’ e

Insurers impose various get out clauses, so as with all insurance cover it is vital to check what is included (and excluded) in the cover

29% 2 year fixed fee free, no extended ties

Be precise when filling out the registration forms

Its purpose is to verify and record legal ownership of the property and to record any securities (mortgages) or conditions adversely affecting the property

Lenders will also use credit reference agencies to obtain information about you

It is worth noting that the average property purchase price in the UK has now hit over £100,000

Offers & Missives When you make an offer for a property you are only offering for the bricks, mortar and ground and the non-moveables

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

The value of these holdings will alter on a daily basis and can go down as well as up

Disadvantages: Generally you will be unable to obtain fixed, discounted, capped or cashback rates on flexible mortgages

Equally, you may consider whether the most suitable mortgage vehicle for the future would be a repayment or interest only mortgage (see our Guide to your Mortgage Repayment Options) and this may be related to the prospect of remaining in the same house for the remaining term of your mortgage

This is referred to as a ‘redemption overhang’

Buy to let has become an attractive investment option for many people as soaring house prices, increased demand for rental property and better legal protection for private landlords has made buy to let fast growing area of the mortgage market

arrears, late payment, removing the lenders name from the Title Deeds at the end of the mortgage

insurance and finance

5 times a single salary and 2

When viewing we always suggest taking someone with you for a second opinion as well as your own safety

Title searches at the Land Registry will also be carried out

Advantages: Knowing the maximum monthly cost of your loan for a set period, allowing security within your budgeting

Overall these policies remain expensive and limited in the cover and peace of mind that they provide to borrowers

the mortgage has to be held for a number of years before the lender breaks into profit

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 amount borrowed is subject to an interest charge, which will be quoted as a percentage

Which way is the property positioned? East facing rooms will receive more sun in the morning; West-facing rooms will be brighter in the afternoon

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

Protecting the property itself against disaster and you in relation to the legal liability to the public are essential aspects to property ownership

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

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